Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$134,518Cash toward the purchase price.
Closing costs + prepaids$9,617Not just lender fees.
Before credits & paid funds$144,135The complete starting cash picture.
Estimated remaining funds due at closing
$144,135No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,518.41
Your down payment$134,518.41
Closing costs + prepaids$9,617.06
Total buyer cash needed$144,135.47
Remaining funds due$144,135.47
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)$150.00
Prepaid interest, first (19 days)$242.06
Fees + prepaids$9,617.06
Your down payment is the seller’s equity. You take over the $165,482 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $144,135.47 is due at closing. Uses and sources reconcile at $309,617.06 each. Not a Closing Disclosure.