Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$192,266Cash toward the purchase price.
Closing costs + prepaids$10,884Not just lender fees.
Before credits & paid funds$203,149The complete starting cash picture.
Estimated remaining funds due at closing
$203,149No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,265.63
Your down payment$192,265.63
Closing costs + prepaids$10,883.73
Total buyer cash needed$203,149.36
Remaining funds due$203,149.36
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)$1,182.00
Initial HOA (3 months)$135.00
Prepaid interest, first (31 days)$351.73
Fees + prepaids$10,883.73
Your down payment is the seller’s equity. You take over the $106,734 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $203,149.36 is due at closing. Uses and sources reconcile at $309,883.73 each. Not a Closing Disclosure.