Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$82,571Cash toward the purchase price.
Closing costs + prepaids$10,836Not just lender fees.
Before credits & paid funds$93,408The complete starting cash picture.
Estimated remaining funds due at closing
$93,408No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,571.39
Your down payment$82,571.39
Closing costs + prepaids$10,836.20
Total buyer cash needed$93,407.59
Remaining funds due$93,407.59
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)$1,116.00
Prepaid interest, first (24 days)$505.20
Fees + prepaids$10,836.20
Your down payment is the seller’s equity. You take over the $216,429 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $93,407.59 is due at closing. Uses and sources reconcile at $309,836.20 each. Not a Closing Disclosure.