Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$108,652Cash toward the purchase price.
Closing costs + prepaids$10,213Not just lender fees.
Before credits & paid funds$118,866The complete starting cash picture.
Estimated remaining funds due at closing
$118,866No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,652.47
Your down payment$108,652.47
Closing costs + prepaids$10,213.38
Total buyer cash needed$118,865.85
Remaining funds due$118,865.85
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)$238.75
Initial HOA (3 months)$315.00
Prepaid interest, first (29 days)$444.63
Fees + prepaids$10,213.38
Your down payment is the seller’s equity. You take over the $190,348 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $118,865.85 is due at closing. Uses and sources reconcile at $309,213.38 each. Not a Closing Disclosure.