Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$118,073Cash toward the purchase price.
Closing costs + prepaids$10,679Not just lender fees.
Before credits & paid funds$128,752The complete starting cash picture.
Estimated remaining funds due at closing
$128,752No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,073.29
Your down payment$118,073.29
Closing costs + prepaids$10,679.02
Total buyer cash needed$128,752.31
Remaining funds due$128,752.31
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)$264.00
Initial HOA (3 months)$570.00
Prepaid interest, first (31 days)$630.02
Fees + prepaids$10,679.02
Your down payment is the seller’s equity. You take over the $180,927 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $128,752.31 is due at closing. Uses and sources reconcile at $309,679.02 each. Not a Closing Disclosure.