Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$223,024Cash toward the purchase price.
Closing costs + prepaids$10,205Not just lender fees.
Before credits & paid funds$233,229The complete starting cash picture.
Estimated remaining funds due at closing
$233,229No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,023.61
Your down payment$223,023.61
Closing costs + prepaids$10,205.36
Total buyer cash needed$233,228.97
Remaining funds due$233,228.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,069.00
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)$247.50
Initial HOA (3 months)$300.00
Prepaid interest, first (26 days)$363.86
Fees + prepaids$10,205.36
Your down payment is the seller’s equity. You take over the $83,876 balance, so the rest of the $306,900 price is paid at closing. A second mortgage can cover part of it. $233,228.97 is due at closing. Uses and sources reconcile at $317,105.36 each. Not a Closing Disclosure.