Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$92,987Cash toward the purchase price.
Closing costs + prepaids$10,159Not just lender fees.
Before credits & paid funds$103,146The complete starting cash picture.
Estimated remaining funds due at closing
$103,146No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,987.24
Your down payment$92,987.24
Closing costs + prepaids$10,158.53
Total buyer cash needed$103,145.77
Remaining funds due$103,145.77
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)$373.75
Prepaid interest, first (15 days)$569.78
Fees + prepaids$10,158.53
Your down payment is the seller’s equity. You take over the $206,013 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $103,145.77 is due at closing. Uses and sources reconcile at $309,158.53 each. Not a Closing Disclosure.