Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$192,004Cash toward the purchase price.
Closing costs + prepaids$10,237Not just lender fees.
Before credits & paid funds$202,241The complete starting cash picture.
Estimated remaining funds due at closing
$202,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,003.54
Your down payment$192,003.54
Closing costs + prepaids$10,237.15
Total buyer cash needed$202,240.69
Remaining funds due$202,240.69
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)$360.00
Initial HOA (3 months)$519.00
Prepaid interest, first (10 days)$133.15
Fees + prepaids$10,237.15
Your down payment is the seller’s equity. You take over the $107,996 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $202,240.69 is due at closing. Uses and sources reconcile at $310,237.15 each. Not a Closing Disclosure.