Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$140,082Cash toward the purchase price.
Closing costs + prepaids$11,616Not just lender fees.
Before credits & paid funds$151,697The complete starting cash picture.
Estimated remaining funds due at closing
$151,697No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,081.58
Your down payment$140,081.58
Closing costs + prepaids$11,615.51
Total buyer cash needed$151,697.09
Remaining funds due$151,697.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,000.00
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)$997.25
Initial HOA (3 months)$1,080.00
Prepaid interest, first (25 days)$313.26
Fees + prepaids$11,615.51
Your down payment is the seller’s equity. You take over the $159,918 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $151,697.09 is due at closing. Uses and sources reconcile at $311,615.51 each. Not a Closing Disclosure.