Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$210,836Cash toward the purchase price.
Closing costs + prepaids$10,099Not just lender fees.
Before credits & paid funds$220,935The complete starting cash picture.
Estimated remaining funds due at closing
$220,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,836.10
Your down payment$210,836.10
Closing costs + prepaids$10,099.26
Total buyer cash needed$220,935.35
Remaining funds due$220,935.35
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)$753.25
Prepaid interest, first (25 days)$122.01
Fees + prepaids$10,099.26
Your down payment is the seller’s equity. You take over the $89,064 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $220,935.35 is due at closing. Uses and sources reconcile at $309,999.26 each. Not a Closing Disclosure.