Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$118,249Cash toward the purchase price.
Closing costs + prepaids$11,126Not just lender fees.
Before credits & paid funds$129,375The complete starting cash picture.
Estimated remaining funds due at closing
$129,375No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,248.76
Your down payment$118,248.76
Closing costs + prepaids$11,126.00
Total buyer cash needed$129,374.76
Remaining funds due$129,374.76
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)$984.75
Initial HOA (3 months)$477.00
Prepaid interest, first (24 days)$449.25
Fees + prepaids$11,126.00
Your down payment is the seller’s equity. You take over the $180,751 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $129,374.76 is due at closing. Uses and sources reconcile at $310,126.00 each. Not a Closing Disclosure.