Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$127,583Cash toward the purchase price.
Closing costs + prepaids$10,665Not just lender fees.
Before credits & paid funds$138,248The complete starting cash picture.
Estimated remaining funds due at closing
$138,248No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,583.11
Your down payment$127,583.11
Closing costs + prepaids$10,664.75
Total buyer cash needed$138,247.87
Remaining funds due$138,247.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,050.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$885.50
Prepaid interest, first (26 days)$504.25
Fees + prepaids$10,664.75
Your down payment is the seller’s equity. You take over the $177,417 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $138,247.87 is due at closing. Uses and sources reconcile at $315,664.75 each. Not a Closing Disclosure.