Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$93,717Cash toward the purchase price.
Closing costs + prepaids$10,955Not just lender fees.
Before credits & paid funds$104,672The complete starting cash picture.
Estimated remaining funds due at closing
$104,672No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,716.94
Your down payment$93,716.94
Closing costs + prepaids$10,955.12
Total buyer cash needed$104,672.06
Remaining funds due$104,672.06
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)$1,018.00
Initial HOA (3 months)$204.00
Prepaid interest, first (27 days)$508.13
Fees + prepaids$10,955.12
Your down payment is the seller’s equity. You take over the $206,282 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $104,672.06 is due at closing. Uses and sources reconcile at $310,954.12 each. Not a Closing Disclosure.