Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$211,769Cash toward the purchase price.
Closing costs + prepaids$9,881Not just lender fees.
Before credits & paid funds$221,651The complete starting cash picture.
Estimated remaining funds due at closing
$221,651No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,769.15
Your down payment$211,769.15
Closing costs + prepaids$9,881.36
Total buyer cash needed$221,650.51
Remaining funds due$221,650.51
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)$375.00
Initial HOA (3 months)$125.01
Prepaid interest, first (14 days)$156.35
Fees + prepaids$9,881.36
Your down payment is the seller’s equity. You take over the $88,231 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $221,650.51 is due at closing. Uses and sources reconcile at $309,881.36 each. Not a Closing Disclosure.