Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$234,186Cash toward the purchase price.
Closing costs + prepaids$9,945Not just lender fees.
Before credits & paid funds$244,131The complete starting cash picture.
Estimated remaining funds due at closing
$244,131No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,186.30
Your down payment$234,186.30
Closing costs + prepaids$9,944.66
Total buyer cash needed$244,130.96
Remaining funds due$244,130.96
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)$466.50
Prepaid interest, first (27 days)$253.16
Fees + prepaids$9,944.66
Your down payment is the seller’s equity. You take over the $65,814 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $244,130.96 is due at closing. Uses and sources reconcile at $309,944.66 each. Not a Closing Disclosure.