Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$126,387Cash toward the purchase price.
Closing costs + prepaids$10,052Not just lender fees.
Before credits & paid funds$136,438The complete starting cash picture.
Estimated remaining funds due at closing
$136,438No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,386.69
Your down payment$126,386.69
Closing costs + prepaids$10,051.74
Total buyer cash needed$136,438.42
Remaining funds due$136,438.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,990.00
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)$508.25
Prepaid interest, first (23 days)$328.49
Fees + prepaids$10,051.74
Your down payment is the seller’s equity. You take over the $172,613 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $136,438.42 is due at closing. Uses and sources reconcile at $309,051.74 each. Not a Closing Disclosure.