Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$197,365Cash toward the purchase price.
Closing costs + prepaids$10,573Not just lender fees.
Before credits & paid funds$207,938The complete starting cash picture.
Estimated remaining funds due at closing
$207,938No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,365.11
Your down payment$197,365.11
Closing costs + prepaids$10,572.91
Total buyer cash needed$207,938.03
Remaining funds due$207,938.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,998.00
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)$1,113.50
Prepaid interest, first (24 days)$236.41
Fees + prepaids$10,572.91
Your down payment is the seller’s equity. You take over the $102,435 balance, so the rest of the $299,800 price is paid at closing. A second mortgage can cover part of it. $207,938.03 is due at closing. Uses and sources reconcile at $310,372.91 each. Not a Closing Disclosure.