Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$116,539Cash toward the purchase price.
Closing costs + prepaids$10,222Not just lender fees.
Before credits & paid funds$126,761The complete starting cash picture.
Estimated remaining funds due at closing
$126,761No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,539.38
Your down payment$116,539.38
Closing costs + prepaids$10,221.64
Total buyer cash needed$126,761.02
Remaining funds due$126,761.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,990.00
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)$747.50
Prepaid interest, first (18 days)$259.14
Fees + prepaids$10,221.64
Your down payment is the seller’s equity. You take over the $182,461 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $126,761.02 is due at closing. Uses and sources reconcile at $309,221.64 each. Not a Closing Disclosure.