Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$228,682Cash toward the purchase price.
Closing costs + prepaids$9,789Not just lender fees.
Before credits & paid funds$238,472The complete starting cash picture.
Estimated remaining funds due at closing
$238,472No 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$9,789.44
Total buyer cash needed$238,471.59
Remaining funds due$238,471.59
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)$65.01
Prepaid interest, first (16 days)$124.43
Fees + prepaids$9,789.44
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. $238,471.59 is due at closing. Uses and sources reconcile at $309,789.44 each. Not a Closing Disclosure.