Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$110,106Cash toward the purchase price.
Closing costs + prepaids$10,619Not just lender fees.
Before credits & paid funds$120,725The complete starting cash picture.
Estimated remaining funds due at closing
$120,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,106.22
Your down payment$110,106.22
Closing costs + prepaids$10,619.20
Total buyer cash needed$120,725.42
Remaining funds due$120,725.42
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)$992.00
Prepaid interest, first (27 days)$412.20
Fees + prepaids$10,619.20
Your down payment is the seller’s equity. You take over the $188,894 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $120,725.42 is due at closing. Uses and sources reconcile at $309,619.20 each. Not a Closing Disclosure.