Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$118,783Cash toward the purchase price.
Closing costs + prepaids$10,266Not just lender fees.
Before credits & paid funds$129,049The complete starting cash picture.
Estimated remaining funds due at closing
$129,049No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,783.24
Your down payment$118,783.24
Closing costs + prepaids$10,266.22
Total buyer cash needed$129,049.46
Remaining funds due$129,049.46
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)$654.25
Prepaid interest, first (30 days)$396.97
Fees + prepaids$10,266.22
Your down payment is the seller’s equity. You take over the $180,217 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $129,049.46 is due at closing. Uses and sources reconcile at $309,266.22 each. Not a Closing Disclosure.