Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$99,698Cash toward the purchase price.
Closing costs + prepaids$11,974Not just lender fees.
Before credits & paid funds$111,671The complete starting cash picture.
Estimated remaining funds due at closing
$111,671No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,697.62
Your down payment$99,697.62
Closing costs + prepaids$11,973.51
Total buyer cash needed$111,671.13
Remaining funds due$111,671.13
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)$1,182.25
Initial HOA (3 months)$1,164.00
Prepaid interest, first (25 days)$412.26
Fees + prepaids$11,973.51
Your down payment is the seller’s equity. You take over the $199,302 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $111,671.13 is due at closing. Uses and sources reconcile at $310,973.51 each. Not a Closing Disclosure.