Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$122,829Cash toward the purchase price.
Closing costs + prepaids$10,093Not just lender fees.
Before credits & paid funds$132,921The complete starting cash picture.
Estimated remaining funds due at closing
$132,921No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,828.73
Your down payment$122,828.73
Closing costs + prepaids$10,092.59
Total buyer cash needed$132,921.33
Remaining funds due$132,921.33
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)$832.50
Prepaid interest, first (2 days)$36.09
Fees + prepaids$10,092.59
Your down payment is the seller’s equity. You take over the $177,071 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $132,921.33 is due at closing. Uses and sources reconcile at $309,992.59 each. Not a Closing Disclosure.