Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$95,304Cash toward the purchase price.
Closing costs + prepaids$10,109Not just lender fees.
Before credits & paid funds$105,413The complete starting cash picture.
Estimated remaining funds due at closing
$105,413No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,304.15
Your down payment$95,304.15
Closing costs + prepaids$10,109.09
Total buyer cash needed$105,413.24
Remaining funds due$105,413.24
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)$375.00
Prepaid interest, first (14 days)$510.09
Fees + prepaids$10,109.09
Your down payment is the seller’s equity. You take over the $204,596 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $105,413.24 is due at closing. Uses and sources reconcile at $310,009.09 each. Not a Closing Disclosure.