Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$100,887Cash toward the purchase price.
Closing costs + prepaids$10,183Not just lender fees.
Before credits & paid funds$111,070The complete starting cash picture.
Estimated remaining funds due at closing
$111,070No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,886.64
Your down payment$100,886.64
Closing costs + prepaids$10,183.32
Total buyer cash needed$111,069.96
Remaining funds due$111,069.96
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)$311.00
Initial HOA (3 months)$633.00
Prepaid interest, first (1 days)$15.32
Fees + prepaids$10,183.32
Your down payment is the seller’s equity. You take over the $199,013 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $111,069.96 is due at closing. Uses and sources reconcile at $310,083.32 each. Not a Closing Disclosure.