Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$120,024Cash toward the purchase price.
Closing costs + prepaids$10,714Not just lender fees.
Before credits & paid funds$130,738The complete starting cash picture.
Estimated remaining funds due at closing
$130,738No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,024.40
Your down payment$120,024.40
Closing costs + prepaids$10,713.98
Total buyer cash needed$130,738.39
Remaining funds due$130,738.39
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)$322.25
Initial HOA (3 months)$720.00
Prepaid interest, first (30 days)$446.73
Fees + prepaids$10,713.98
Your down payment is the seller’s equity. You take over the $179,976 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $130,738.39 is due at closing. Uses and sources reconcile at $310,713.98 each. Not a Closing Disclosure.