Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$88,523Cash toward the purchase price.
Closing costs + prepaids$11,077Not just lender fees.
Before credits & paid funds$99,600The complete starting cash picture.
Estimated remaining funds due at closing
$99,600No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,523.32
Your down payment$88,523.32
Closing costs + prepaids$11,076.93
Total buyer cash needed$99,600.25
Remaining funds due$99,600.25
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)$2,570.52
Insurance escrow (3 months)$642.63
Property tax escrow (3 months)$255.25
Initial HOA (3 months)$258.99
Prepaid interest, first (19 days)$324.54
Fees + prepaids$11,076.93
Your down payment is the seller’s equity. You take over the $216,477 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $99,600.25 is due at closing. Uses and sources reconcile at $316,076.93 each. Not a Closing Disclosure.