Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$190,605Cash toward the purchase price.
Closing costs + prepaids$9,864Not just lender fees.
Before credits & paid funds$200,468The complete starting cash picture.
Estimated remaining funds due at closing
$200,468No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,604.73
Your down payment$190,604.73
Closing costs + prepaids$9,863.55
Total buyer cash needed$200,468.28
Remaining funds due$200,468.28
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)$629.50
Prepaid interest, first (1 days)$9.05
Fees + prepaids$9,863.55
Your down payment is the seller’s equity. You take over the $109,395 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $200,468.28 is due at closing. Uses and sources reconcile at $309,863.55 each. Not a Closing Disclosure.