Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$113,427Cash toward the purchase price.
Closing costs + prepaids$10,113Not just lender fees.
Before credits & paid funds$123,540The complete starting cash picture.
Estimated remaining funds due at closing
$123,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,427.33
Your down payment$113,427.33
Closing costs + prepaids$10,113.03
Total buyer cash needed$123,540.36
Remaining funds due$123,540.36
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)$469.75
Prepaid interest, first (29 days)$419.28
Fees + prepaids$10,113.03
Your down payment is the seller’s equity. You take over the $186,473 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $123,540.36 is due at closing. Uses and sources reconcile at $310,013.03 each. Not a Closing Disclosure.