Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$137,721Cash toward the purchase price.
Closing costs + prepaids$10,457Not just lender fees.
Before credits & paid funds$148,179The complete starting cash picture.
Estimated remaining funds due at closing
$148,179No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,721.08
Your down payment$137,721.08
Closing costs + prepaids$10,457.46
Total buyer cash needed$148,178.54
Remaining funds due$148,178.54
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)$289.50
Initial HOA (3 months)$876.00
Prepaid interest, first (1 days)$16.96
Fees + prepaids$10,457.46
Your down payment is the seller’s equity. You take over the $167,279 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $148,178.54 is due at closing. Uses and sources reconcile at $315,457.46 each. Not a Closing Disclosure.