Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$104,949Cash toward the purchase price.
Closing costs + prepaids$10,707Not just lender fees.
Before credits & paid funds$115,656The complete starting cash picture.
Estimated remaining funds due at closing
$115,656No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,948.60
Your down payment$104,948.60
Closing costs + prepaids$10,707.25
Total buyer cash needed$115,655.85
Remaining funds due$115,655.85
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)$1,053.00
Prepaid interest, first (27 days)$439.25
Fees + prepaids$10,707.25
Your down payment is the seller’s equity. You take over the $194,051 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $115,655.85 is due at closing. Uses and sources reconcile at $309,707.25 each. Not a Closing Disclosure.