Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$87,758Cash toward the purchase price.
Closing costs + prepaids$11,139Not just lender fees.
Before credits & paid funds$98,897The complete starting cash picture.
Estimated remaining funds due at closing
$98,897No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,757.61
Your down payment$87,757.61
Closing costs + prepaids$11,138.92
Total buyer cash needed$98,896.53
Remaining funds due$98,896.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,995.00
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)$517.75
Initial HOA (3 months)$972.00
Prepaid interest, first (27 days)$429.17
Fees + prepaids$11,138.92
Your down payment is the seller’s equity. You take over the $211,742 balance, so the rest of the $299,500 price is paid at closing. A second mortgage can cover part of it. $98,896.53 is due at closing. Uses and sources reconcile at $310,638.92 each. Not a Closing Disclosure.