Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$206,685Cash toward the purchase price.
Closing costs + prepaids$11,011Not just lender fees.
Before credits & paid funds$217,695The complete starting cash picture.
Estimated remaining funds due at closing
$217,695No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,684.74
Your down payment$206,684.74
Closing costs + prepaids$11,010.65
Total buyer cash needed$217,695.39
Remaining funds due$217,695.39
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)$997.00
Initial HOA (3 months)$510.00
Prepaid interest, first (30 days)$279.65
Fees + prepaids$11,010.65
Your down payment is the seller’s equity. You take over the $93,215 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $217,695.39 is due at closing. Uses and sources reconcile at $310,910.65 each. Not a Closing Disclosure.