Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$125,244Cash toward the purchase price.
Closing costs + prepaids$10,739Not just lender fees.
Before credits & paid funds$135,982The complete starting cash picture.
Estimated remaining funds due at closing
$135,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,243.71
Your down payment$125,243.71
Closing costs + prepaids$10,738.59
Total buyer cash needed$135,982.30
Remaining funds due$135,982.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.00
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)$1,214.50
Initial HOA (3 months)$6.24
Prepaid interest, first (23 days)$293.85
Fees + prepaids$10,738.59
Your down payment is the seller’s equity. You take over the $174,656 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $135,982.30 is due at closing. Uses and sources reconcile at $310,638.59 each. Not a Closing Disclosure.