Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$163,609Cash toward the purchase price.
Closing costs + prepaids$10,939Not just lender fees.
Before credits & paid funds$174,548The complete starting cash picture.
Estimated remaining funds due at closing
$174,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,608.56
Your down payment$163,608.56
Closing costs + prepaids$10,938.97
Total buyer cash needed$174,547.53
Remaining funds due$174,547.53
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)$1,237.50
Initial HOA (3 months)$99.99
Prepaid interest, first (25 days)$376.48
Fees + prepaids$10,938.97
Your down payment is the seller’s equity. You take over the $136,391 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $174,547.53 is due at closing. Uses and sources reconcile at $310,938.97 each. Not a Closing Disclosure.