Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$106,552Cash toward the purchase price.
Closing costs + prepaids$10,600Not just lender fees.
Before credits & paid funds$117,153The complete starting cash picture.
Estimated remaining funds due at closing
$117,153No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,552.45
Your down payment$106,552.45
Closing costs + prepaids$10,600.35
Total buyer cash needed$117,152.80
Remaining funds due$117,152.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,970.00
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)$1,016.00
Prepaid interest, first (26 days)$389.35
Fees + prepaids$10,600.35
Your down payment is the seller’s equity. You take over the $190,448 balance, so the rest of the $297,000 price is paid at closing. A second mortgage can cover part of it. $117,152.80 is due at closing. Uses and sources reconcile at $307,600.35 each. Not a Closing Disclosure.