Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$152,596Cash toward the purchase price.
Closing costs + prepaids$11,322Not just lender fees.
Before credits & paid funds$163,918The complete starting cash picture.
Estimated remaining funds due at closing
$163,918No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,596.01
Your down payment$152,596.01
Closing costs + prepaids$11,321.69
Total buyer cash needed$163,917.70
Remaining funds due$163,917.70
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)$1,248.75
Initial HOA (3 months)$356.01
Prepaid interest, first (28 days)$441.93
Fees + prepaids$11,321.69
Your down payment is the seller’s equity. You take over the $152,404 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $163,917.70 is due at closing. Uses and sources reconcile at $316,321.69 each. Not a Closing Disclosure.