Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$101,855Cash toward the purchase price.
Closing costs + prepaids$10,836Not just lender fees.
Before credits & paid funds$112,690The complete starting cash picture.
Estimated remaining funds due at closing
$112,690No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,854.59
Your down payment$101,854.59
Closing costs + prepaids$10,835.72
Total buyer cash needed$112,690.31
Remaining funds due$112,690.31
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
Initial HOA (3 months)$960.00
Prepaid interest, first (17 days)$276.72
Fees + prepaids$10,835.72
Your down payment is the seller’s equity. You take over the $198,045 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $112,690.31 is due at closing. Uses and sources reconcile at $310,735.72 each. Not a Closing Disclosure.