Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$189,765Cash toward the purchase price.
Closing costs + prepaids$10,207Not just lender fees.
Before credits & paid funds$199,972The complete starting cash picture.
Estimated remaining funds due at closing
$199,972No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,765.03
Your down payment$189,765.03
Closing costs + prepaids$10,206.61
Total buyer cash needed$199,971.65
Remaining funds due$199,971.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,000.00
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)$664.50
Prepaid interest, first (30 days)$317.11
Fees + prepaids$10,206.61
Your down payment is the seller’s equity. You take over the $110,235 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $199,971.65 is due at closing. Uses and sources reconcile at $310,206.61 each. Not a Closing Disclosure.