Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$114,629Cash toward the purchase price.
Closing costs + prepaids$10,432Not just lender fees.
Before credits & paid funds$125,061The complete starting cash picture.
Estimated remaining funds due at closing
$125,061No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,628.50
Your down payment$114,628.50
Closing costs + prepaids$10,432.43
Total buyer cash needed$125,060.93
Remaining funds due$125,060.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,990.00
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)$155.75
Prepaid interest, first (31 days)$1,061.68
Fees + prepaids$10,432.43
Your down payment is the seller’s equity. You take over the $184,371 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $125,060.93 is due at closing. Uses and sources reconcile at $309,432.43 each. Not a Closing Disclosure.