Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$104,281Cash toward the purchase price.
Closing costs + prepaids$10,657Not just lender fees.
Before credits & paid funds$114,939The complete starting cash picture.
Estimated remaining funds due at closing
$114,939No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,281.18
Your down payment$104,281.18
Closing costs + prepaids$10,657.42
Total buyer cash needed$114,938.60
Remaining funds due$114,938.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,989.00
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)$994.25
Prepaid interest, first (27 days)$449.17
Fees + prepaids$10,657.42
Your down payment is the seller’s equity. You take over the $194,619 balance, so the rest of the $298,900 price is paid at closing. A second mortgage can cover part of it. $114,938.60 is due at closing. Uses and sources reconcile at $309,557.42 each. Not a Closing Disclosure.