Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$122,327Cash toward the purchase price.
Closing costs + prepaids$11,181Not just lender fees.
Before credits & paid funds$133,508The complete starting cash picture.
Estimated remaining funds due at closing
$133,508No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,327.04
Your down payment$122,327.04
Closing costs + prepaids$11,181.08
Total buyer cash needed$133,508.12
Remaining funds due$133,508.12
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)$1,138.25
Initial HOA (3 months)$380.01
Prepaid interest, first (27 days)$387.82
Fees + prepaids$11,181.08
Your down payment is the seller’s equity. You take over the $182,673 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $133,508.12 is due at closing. Uses and sources reconcile at $316,181.08 each. Not a Closing Disclosure.