Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$110,519Cash toward the purchase price.
Closing costs + prepaids$10,703Not just lender fees.
Before credits & paid funds$121,223The complete starting cash picture.
Estimated remaining funds due at closing
$121,223No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,519.50
Your down payment$110,519.50
Closing costs + prepaids$10,703.39
Total buyer cash needed$121,222.88
Remaining funds due$121,222.88
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)$912.00
Initial HOA (3 months)$91.50
Prepaid interest, first (30 days)$484.89
Fees + prepaids$10,703.39
Your down payment is the seller’s equity. You take over the $188,481 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $121,222.88 is due at closing. Uses and sources reconcile at $309,703.39 each. Not a Closing Disclosure.