Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$104,318Cash toward the purchase price.
Closing costs + prepaids$9,724Not just lender fees.
Before credits & paid funds$114,042The complete starting cash picture.
Estimated remaining funds due at closing
$114,042No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,318.31
Your down payment$104,318.31
Closing costs + prepaids$9,723.99
Total buyer cash needed$114,042.29
Remaining funds due$114,042.29
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)$49.75
Prepaid interest, first (30 days)$459.24
Fees + prepaids$9,723.99
Your down payment is the seller’s equity. You take over the $194,682 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $114,042.29 is due at closing. Uses and sources reconcile at $308,723.99 each. Not a Closing Disclosure.