Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$130,608Cash toward the purchase price.
Closing costs + prepaids$9,811Not just lender fees.
Before credits & paid funds$140,419The complete starting cash picture.
Estimated remaining funds due at closing
$140,419No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,608.00
Your down payment$130,608.00
Closing costs + prepaids$9,810.55
Total buyer cash needed$140,418.55
Remaining funds due$140,418.55
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
Prepaid interest, first (10 days)$225.55
Fees + prepaids$9,810.55
Your down payment is the seller’s equity. You take over the $169,392 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $140,418.55 is due at closing. Uses and sources reconcile at $309,810.55 each. Not a Closing Disclosure.