Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$125,539Cash toward the purchase price.
Closing costs + prepaids$10,478Not just lender fees.
Before credits & paid funds$136,017The complete starting cash picture.
Estimated remaining funds due at closing
$136,017No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,539.20
Your down payment$125,539.20
Closing costs + prepaids$10,477.74
Total buyer cash needed$136,016.94
Remaining funds due$136,016.94
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)$706.00
Initial HOA (3 months)$62.49
Prepaid interest, first (24 days)$434.25
Fees + prepaids$10,477.74
Your down payment is the seller’s equity. You take over the $179,461 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $136,016.94 is due at closing. Uses and sources reconcile at $315,477.74 each. Not a Closing Disclosure.