Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$113,973Cash toward the purchase price.
Closing costs + prepaids$10,421Not just lender fees.
Before credits & paid funds$124,395The complete starting cash picture.
Estimated remaining funds due at closing
$124,395No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,973.34
Your down payment$113,973.34
Closing costs + prepaids$10,421.38
Total buyer cash needed$124,394.73
Remaining funds due$124,394.73
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)$360.00
Initial HOA (3 months)$726.00
Prepaid interest, first (6 days)$110.39
Fees + prepaids$10,421.38
Your down payment is the seller’s equity. You take over the $186,026 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $124,394.73 is due at closing. Uses and sources reconcile at $310,420.38 each. Not a Closing Disclosure.