Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$170,371Cash toward the purchase price.
Closing costs + prepaids$10,248Not just lender fees.
Before credits & paid funds$180,620The complete starting cash picture.
Estimated remaining funds due at closing
$180,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,371.45
Your down payment$170,371.45
Closing costs + prepaids$10,248.30
Total buyer cash needed$180,619.75
Remaining funds due$180,619.75
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)$520.75
Initial HOA (3 months)$157.50
Prepaid interest, first (31 days)$355.05
Fees + prepaids$10,248.30
Your down payment is the seller’s equity. You take over the $128,629 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $180,619.75 is due at closing. Uses and sources reconcile at $309,248.30 each. Not a Closing Disclosure.