Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$103,987Cash toward the purchase price.
Closing costs + prepaids$10,580Not just lender fees.
Before credits & paid funds$114,567The complete starting cash picture.
Estimated remaining funds due at closing
$114,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,986.89
Your down payment$103,986.89
Closing costs + prepaids$10,580.38
Total buyer cash needed$114,567.28
Remaining funds due$114,567.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.99
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)$417.25
Initial HOA (3 months)$585.00
Prepaid interest, first (24 days)$353.14
Fees + prepaids$10,580.38
Your down payment is the seller’s equity. You take over the $196,012 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $114,567.28 is due at closing. Uses and sources reconcile at $310,579.38 each. Not a Closing Disclosure.