Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$136,007Cash toward the purchase price.
Closing costs + prepaids$10,919Not just lender fees.
Before credits & paid funds$146,926The complete starting cash picture.
Estimated remaining funds due at closing
$146,926No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,007.14
Your down payment$136,007.14
Closing costs + prepaids$10,918.63
Total buyer cash needed$146,925.77
Remaining funds due$146,925.77
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)$814.25
Initial HOA (3 months)$585.00
Prepaid interest, first (18 days)$294.38
Fees + prepaids$10,918.63
Your down payment is the seller’s equity. You take over the $163,993 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $146,925.77 is due at closing. Uses and sources reconcile at $310,918.63 each. Not a Closing Disclosure.