Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$124,792Cash toward the purchase price.
Closing costs + prepaids$10,458Not just lender fees.
Before credits & paid funds$135,250The complete starting cash picture.
Estimated remaining funds due at closing
$135,250No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,792.36
Your down payment$124,792.36
Closing costs + prepaids$10,457.55
Total buyer cash needed$135,249.91
Remaining funds due$135,249.91
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)$1,214.50
Initial HOA (3 months)$6.24
Prepaid interest, first (1 days)$12.81
Fees + prepaids$10,457.55
Your down payment is the seller’s equity. You take over the $175,108 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $135,249.91 is due at closing. Uses and sources reconcile at $310,357.55 each. Not a Closing Disclosure.