Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$132,986Cash toward the purchase price.
Closing costs + prepaids$10,449Not just lender fees.
Before credits & paid funds$143,435The complete starting cash picture.
Estimated remaining funds due at closing
$143,435No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,985.81
Your down payment$132,985.81
Closing costs + prepaids$10,449.04
Total buyer cash needed$143,434.84
Remaining funds due$143,434.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.00
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)$804.00
Prepaid interest, first (31 days)$421.04
Fees + prepaids$10,449.04
Your down payment is the seller’s equity. You take over the $166,914 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $143,434.84 is due at closing. Uses and sources reconcile at $310,349.04 each. Not a Closing Disclosure.