Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$114,151Cash toward the purchase price.
Closing costs + prepaids$10,543Not just lender fees.
Before credits & paid funds$124,695The complete starting cash picture.
Estimated remaining funds due at closing
$124,695No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,151.14
Your down payment$114,151.14
Closing costs + prepaids$10,543.37
Total buyer cash needed$124,694.52
Remaining funds due$124,694.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.99
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)$790.25
Initial HOA (3 months)$75.99
Prepaid interest, first (24 days)$452.14
Fees + prepaids$10,543.37
Your down payment is the seller’s equity. You take over the $185,848 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $124,694.52 is due at closing. Uses and sources reconcile at $310,542.37 each. Not a Closing Disclosure.