Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$108,677Cash toward the purchase price.
Closing costs + prepaids$10,954Not just lender fees.
Before credits & paid funds$119,631The complete starting cash picture.
Estimated remaining funds due at closing
$119,631No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,677.13
Your down payment$108,677.13
Closing costs + prepaids$10,953.64
Total buyer cash needed$119,630.78
Remaining funds due$119,630.78
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)$1,258.50
Prepaid interest, first (23 days)$471.14
Fees + prepaids$10,953.64
Your down payment is the seller’s equity. You take over the $191,223 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $119,630.78 is due at closing. Uses and sources reconcile at $310,853.64 each. Not a Closing Disclosure.