Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$117,836Cash toward the purchase price.
Closing costs + prepaids$11,174Not just lender fees.
Before credits & paid funds$129,010The complete starting cash picture.
Estimated remaining funds due at closing
$129,010No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,835.55
Your down payment$117,835.55
Closing costs + prepaids$11,174.02
Total buyer cash needed$129,009.57
Remaining funds due$129,009.57
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)$1,772.00
Initial HOA (3 months)$162.00
Prepaid interest, first (1 days)$15.02
Fees + prepaids$11,174.02
Your down payment is the seller’s equity. You take over the $182,164 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $129,009.57 is due at closing. Uses and sources reconcile at $311,174.02 each. Not a Closing Disclosure.