Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$95,744Cash toward the purchase price.
Closing costs + prepaids$11,683Not just lender fees.
Before credits & paid funds$107,427The complete starting cash picture.
Estimated remaining funds due at closing
$107,427No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,743.73
Your down payment$95,743.73
Closing costs + prepaids$11,683.37
Total buyer cash needed$107,427.11
Remaining funds due$107,427.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.99
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)$2,040.25
Initial HOA (3 months)$39.00
Prepaid interest, first (25 days)$379.13
Fees + prepaids$11,683.37
Your down payment is the seller’s equity. You take over the $204,255 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $107,427.11 is due at closing. Uses and sources reconcile at $311,682.37 each. Not a Closing Disclosure.