Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$96,296Cash toward the purchase price.
Closing costs + prepaids$10,317Not just lender fees.
Before credits & paid funds$106,613The complete starting cash picture.
Estimated remaining funds due at closing
$106,613No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,295.90
Your down payment$96,295.90
Closing costs + prepaids$10,317.25
Total buyer cash needed$106,613.15
Remaining funds due$106,613.15
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)$237.50
Prepaid interest, first (23 days)$855.75
Fees + prepaids$10,317.25
Your down payment is the seller’s equity. You take over the $203,604 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $106,613.15 is due at closing. Uses and sources reconcile at $310,217.25 each. Not a Closing Disclosure.