Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$99,169Cash toward the purchase price.
Closing costs + prepaids$10,408Not just lender fees.
Before credits & paid funds$109,576The complete starting cash picture.
Estimated remaining funds due at closing
$109,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,168.73
Your down payment$99,168.73
Closing costs + prepaids$10,407.74
Total buyer cash needed$109,576.47
Remaining funds due$109,576.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,960.00
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)$828.75
Prepaid interest, first (26 days)$393.99
Fees + prepaids$10,407.74
Your down payment is the seller’s equity. You take over the $196,831 balance, so the rest of the $296,000 price is paid at closing. A second mortgage can cover part of it. $109,576.47 is due at closing. Uses and sources reconcile at $306,407.74 each. Not a Closing Disclosure.