Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$137,103Cash toward the purchase price.
Closing costs + prepaids$10,422Not just lender fees.
Before credits & paid funds$147,525The complete starting cash picture.
Estimated remaining funds due at closing
$147,525No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,102.79
Your down payment$137,102.79
Closing costs + prepaids$10,422.21
Total buyer cash needed$147,525.00
Remaining funds due$147,525.00
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)$528.50
Initial HOA (3 months)$309.00
Prepaid interest, first (20 days)$359.71
Fees + prepaids$10,422.21
Your down payment is the seller’s equity. You take over the $162,897 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $147,525.00 is due at closing. Uses and sources reconcile at $310,422.21 each. Not a Closing Disclosure.