Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$84,036Cash toward the purchase price.
Closing costs + prepaids$10,588Not just lender fees.
Before credits & paid funds$94,624The complete starting cash picture.
Estimated remaining funds due at closing
$94,624No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,036.23
Your down payment$84,036.23
Closing costs + prepaids$10,587.62
Total buyer cash needed$94,623.85
Remaining funds due$94,623.85
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)$365.00
Initial HOA (3 months)$510.00
Prepaid interest, first (27 days)$488.62
Fees + prepaids$10,587.62
Your down payment is the seller’s equity. You take over the $215,864 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $94,623.85 is due at closing. Uses and sources reconcile at $310,487.62 each. Not a Closing Disclosure.