Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$101,118Cash toward the purchase price.
Closing costs + prepaids$10,389Not just lender fees.
Before credits & paid funds$111,507The complete starting cash picture.
Estimated remaining funds due at closing
$111,507No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,117.77
Your down payment$101,117.77
Closing costs + prepaids$10,388.85
Total buyer cash needed$111,506.62
Remaining funds due$111,506.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,000.00
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)$179.25
Prepaid interest, first (26 days)$984.60
Fees + prepaids$10,388.85
Your down payment is the seller’s equity. You take over the $198,882 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $111,506.62 is due at closing. Uses and sources reconcile at $310,388.85 each. Not a Closing Disclosure.