Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$118,696Cash toward the purchase price.
Closing costs + prepaids$10,443Not just lender fees.
Before credits & paid funds$129,139The complete starting cash picture.
Estimated remaining funds due at closing
$129,139No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,696.24
Your down payment$118,696.24
Closing costs + prepaids$10,443.02
Total buyer cash needed$129,139.26
Remaining funds due$129,139.26
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)$767.25
Prepaid interest, first (26 days)$451.77
Fees + prepaids$10,443.02
Your down payment is the seller’s equity. You take over the $181,204 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $129,139.26 is due at closing. Uses and sources reconcile at $310,343.02 each. Not a Closing Disclosure.