Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$112,089Cash toward the purchase price.
Closing costs + prepaids$10,255Not just lender fees.
Before credits & paid funds$122,344The complete starting cash picture.
Estimated remaining funds due at closing
$122,344No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,088.62
Your down payment$112,088.62
Closing costs + prepaids$10,254.98
Total buyer cash needed$122,343.60
Remaining funds due$122,343.60
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)$968.00
Prepaid interest, first (2 days)$62.98
Fees + prepaids$10,254.98
Your down payment is the seller’s equity. You take over the $187,811 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $122,343.60 is due at closing. Uses and sources reconcile at $310,154.98 each. Not a Closing Disclosure.