Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$191,793Cash toward the purchase price.
Closing costs + prepaids$11,051Not just lender fees.
Before credits & paid funds$202,844The complete starting cash picture.
Estimated remaining funds due at closing
$202,844No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,793.30
Your down payment$191,793.30
Closing costs + prepaids$11,050.93
Total buyer cash needed$202,844.23
Remaining funds due$202,844.23
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)$267.75
Initial HOA (3 months)$1,542.00
Prepaid interest, first (2 days)$17.18
Fees + prepaids$11,050.93
Your down payment is the seller’s equity. You take over the $108,107 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $202,844.23 is due at closing. Uses and sources reconcile at $310,950.93 each. Not a Closing Disclosure.