Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$129,999Cash toward the purchase price.
Closing costs + prepaids$11,044Not just lender fees.
Before credits & paid funds$141,042The complete starting cash picture.
Estimated remaining funds due at closing
$141,042No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,998.64
Your down payment$129,998.64
Closing costs + prepaids$11,043.65
Total buyer cash needed$141,042.29
Remaining funds due$141,042.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,995.00
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)$359.50
Initial HOA (3 months)$1,380.00
Prepaid interest, first (6 days)$84.15
Fees + prepaids$11,043.65
Your down payment is the seller’s equity. You take over the $169,501 balance, so the rest of the $299,500 price is paid at closing. A second mortgage can cover part of it. $141,042.29 is due at closing. Uses and sources reconcile at $310,543.65 each. Not a Closing Disclosure.