Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$193,156Cash toward the purchase price.
Closing costs + prepaids$10,197Not just lender fees.
Before credits & paid funds$203,353The complete starting cash picture.
Estimated remaining funds due at closing
$203,353No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,156.16
Your down payment$193,156.16
Closing costs + prepaids$10,197.04
Total buyer cash needed$203,353.19
Remaining funds due$203,353.19
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)$747.50
Prepaid interest, first (24 days)$234.54
Fees + prepaids$10,197.04
Your down payment is the seller’s equity. You take over the $105,844 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $203,353.19 is due at closing. Uses and sources reconcile at $309,197.04 each. Not a Closing Disclosure.