Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$227,671Cash toward the purchase price.
Closing costs + prepaids$10,488Not just lender fees.
Before credits & paid funds$238,159The complete starting cash picture.
Estimated remaining funds due at closing
$238,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,671.14
Your down payment$227,671.14
Closing costs + prepaids$10,488.15
Total buyer cash needed$238,159.29
Remaining funds due$238,159.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,050.00
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)$278.50
Initial HOA (3 months)$723.00
Prepaid interest, first (30 days)$211.65
Fees + prepaids$10,488.15
Your down payment is the seller’s equity. You take over the $77,329 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $238,159.29 is due at closing. Uses and sources reconcile at $315,488.15 each. Not a Closing Disclosure.