Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$211,769Cash toward the purchase price.
Closing costs + prepaids$10,361Not just lender fees.
Before credits & paid funds$222,130The complete starting cash picture.
Estimated remaining funds due at closing
$222,130No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,769.15
Your down payment$211,769.15
Closing costs + prepaids$10,360.63
Total buyer cash needed$222,129.77
Remaining funds due$222,129.77
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)$686.75
Initial HOA (3 months)$125.01
Prepaid interest, first (29 days)$323.87
Fees + prepaids$10,360.63
Your down payment is the seller’s equity. You take over the $88,231 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $222,129.77 is due at closing. Uses and sources reconcile at $310,360.63 each. Not a Closing Disclosure.