Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$203,623Cash toward the purchase price.
Closing costs + prepaids$10,517Not just lender fees.
Before credits & paid funds$214,140The complete starting cash picture.
Estimated remaining funds due at closing
$214,140No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,623.34
Your down payment$203,623.34
Closing costs + prepaids$10,517.12
Total buyer cash needed$214,140.45
Remaining funds due$214,140.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,970.00
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)$464.75
Initial HOA (3 months)$525.00
Prepaid interest, first (28 days)$332.37
Fees + prepaids$10,517.12
Your down payment is the seller’s equity. You take over the $93,377 balance, so the rest of the $297,000 price is paid at closing. A second mortgage can cover part of it. $214,140.45 is due at closing. Uses and sources reconcile at $307,517.12 each. Not a Closing Disclosure.