Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$234,752Cash toward the purchase price.
Closing costs + prepaids$10,317Not just lender fees.
Before credits & paid funds$245,070The complete starting cash picture.
Estimated remaining funds due at closing
$245,070No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,752.37
Your down payment$234,752.37
Closing costs + prepaids$10,317.19
Total buyer cash needed$245,069.57
Remaining funds due$245,069.57
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)$490.75
Initial HOA (3 months)$336.00
Prepaid interest, first (31 days)$265.44
Fees + prepaids$10,317.19
Your down payment is the seller’s equity. You take over the $65,248 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $245,069.57 is due at closing. Uses and sources reconcile at $310,317.19 each. Not a Closing Disclosure.