Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$132,723Cash toward the purchase price.
Closing costs + prepaids$11,129Not just lender fees.
Before credits & paid funds$143,852The complete starting cash picture.
Estimated remaining funds due at closing
$143,852No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,723.10
Your down payment$132,723.10
Closing costs + prepaids$11,129.35
Total buyer cash needed$143,852.45
Remaining funds due$143,852.45
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)$663.50
Initial HOA (3 months)$825.00
Prepaid interest, first (26 days)$415.85
Fees + prepaids$11,129.35
Your down payment is the seller’s equity. You take over the $167,277 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $143,852.45 is due at closing. Uses and sources reconcile at $311,129.35 each. Not a Closing Disclosure.