Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$87,434Cash toward the purchase price.
Closing costs + prepaids$12,092Not just lender fees.
Before credits & paid funds$99,526The complete starting cash picture.
Estimated remaining funds due at closing
$99,526No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,433.52
Your down payment$87,433.52
Closing costs + prepaids$12,092.05
Total buyer cash needed$99,525.57
Remaining funds due$99,525.57
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)$1,435.00
Initial HOA (3 months)$1,086.00
Prepaid interest, first (22 days)$347.05
Fees + prepaids$12,092.05
Your down payment is the seller’s equity. You take over the $212,466 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $99,525.57 is due at closing. Uses and sources reconcile at $311,992.05 each. Not a Closing Disclosure.