Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$228,682Cash toward the purchase price.
Closing costs + prepaids$10,135Not just lender fees.
Before credits & paid funds$238,817The complete starting cash picture.
Estimated remaining funds due at closing
$238,817No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,682.15
Your down payment$228,682.15
Closing costs + prepaids$10,134.98
Total buyer cash needed$238,817.13
Remaining funds due$238,817.13
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)$635.00
Initial HOA (3 months)$65.01
Prepaid interest, first (27 days)$209.97
Fees + prepaids$10,134.98
Your down payment is the seller’s equity. You take over the $71,318 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $238,817.13 is due at closing. Uses and sources reconcile at $310,134.98 each. Not a Closing Disclosure.