Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$206,882Cash toward the purchase price.
Closing costs + prepaids$9,732Not just lender fees.
Before credits & paid funds$216,615The complete starting cash picture.
Estimated remaining funds due at closing
$216,615No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,882.23
Your down payment$206,882.23
Closing costs + prepaids$9,732.45
Total buyer cash needed$216,614.68
Remaining funds due$216,614.68
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)$191.00
Prepaid interest, first (28 days)$266.45
Fees + prepaids$9,732.45
Your down payment is the seller’s equity. You take over the $98,118 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $216,614.68 is due at closing. Uses and sources reconcile at $314,732.45 each. Not a Closing Disclosure.