Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$123,080Cash toward the purchase price.
Closing costs + prepaids$10,414Not just lender fees.
Before credits & paid funds$133,495The complete starting cash picture.
Estimated remaining funds due at closing
$133,495No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,080.38
Your down payment$123,080.38
Closing costs + prepaids$10,414.16
Total buyer cash needed$133,494.54
Remaining funds due$133,494.54
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)$736.00
Prepaid interest, first (25 days)$454.16
Fees + prepaids$10,414.16
Your down payment is the seller’s equity. You take over the $176,820 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $133,494.54 is due at closing. Uses and sources reconcile at $310,314.16 each. Not a Closing Disclosure.