Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$125,693Cash toward the purchase price.
Closing costs + prepaids$10,497Not just lender fees.
Before credits & paid funds$136,190The complete starting cash picture.
Estimated remaining funds due at closing
$136,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,692.79
Your down payment$125,692.79
Closing costs + prepaids$10,497.12
Total buyer cash needed$136,189.91
Remaining funds due$136,189.91
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)$847.00
Prepaid interest, first (31 days)$426.12
Fees + prepaids$10,497.12
Your down payment is the seller’s equity. You take over the $174,207 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $136,189.91 is due at closing. Uses and sources reconcile at $310,397.12 each. Not a Closing Disclosure.