Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$103,070Cash toward the purchase price.
Closing costs + prepaids$10,886Not just lender fees.
Before credits & paid funds$113,956The complete starting cash picture.
Estimated remaining funds due at closing
$113,956No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,069.88
Your down payment$103,069.88
Closing costs + prepaids$10,886.07
Total buyer cash needed$113,955.95
Remaining funds due$113,955.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,995.00
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)$1,101.00
Prepaid interest, first (28 days)$565.07
Fees + prepaids$10,886.07
Your down payment is the seller’s equity. You take over the $196,430 balance, so the rest of the $299,500 price is paid at closing. A second mortgage can cover part of it. $113,955.95 is due at closing. Uses and sources reconcile at $310,386.07 each. Not a Closing Disclosure.