Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$121,664Cash toward the purchase price.
Closing costs + prepaids$10,600Not just lender fees.
Before credits & paid funds$132,264The complete starting cash picture.
Estimated remaining funds due at closing
$132,264No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,664.44
Your down payment$121,664.44
Closing costs + prepaids$10,600.04
Total buyer cash needed$132,264.49
Remaining funds due$132,264.49
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)$253.00
Initial HOA (3 months)$777.00
Prepaid interest, first (22 days)$295.04
Fees + prepaids$10,600.04
Your down payment is the seller’s equity. You take over the $183,336 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $132,264.49 is due at closing. Uses and sources reconcile at $315,600.04 each. Not a Closing Disclosure.