Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$134,803Cash toward the purchase price.
Closing costs + prepaids$11,188Not just lender fees.
Before credits & paid funds$145,991The complete starting cash picture.
Estimated remaining funds due at closing
$145,991No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,803.06
Your down payment$134,803.06
Closing costs + prepaids$11,187.68
Total buyer cash needed$145,990.74
Remaining funds due$145,990.74
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)$983.00
Initial HOA (3 months)$528.99
Prepaid interest, first (26 days)$450.69
Fees + prepaids$11,187.68
Your down payment is the seller’s equity. You take over the $165,197 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $145,990.74 is due at closing. Uses and sources reconcile at $311,187.68 each. Not a Closing Disclosure.