Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$88,436Cash toward the purchase price.
Closing costs + prepaids$10,649Not just lender fees.
Before credits & paid funds$99,085The complete starting cash picture.
Estimated remaining funds due at closing
$99,085No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,436.21
Your down payment$88,436.21
Closing costs + prepaids$10,648.61
Total buyer cash needed$99,084.82
Remaining funds due$99,084.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.00
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)$934.25
Prepaid interest, first (23 days)$490.36
Fees + prepaids$10,648.61
Your down payment is the seller’s equity. You take over the $211,464 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $99,084.82 is due at closing. Uses and sources reconcile at $310,548.61 each. Not a Closing Disclosure.