Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$113,245Cash toward the purchase price.
Closing costs + prepaids$10,497Not just lender fees.
Before credits & paid funds$123,742The complete starting cash picture.
Estimated remaining funds due at closing
$123,742No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,245.37
Your down payment$113,245.37
Closing costs + prepaids$10,496.82
Total buyer cash needed$123,742.20
Remaining funds due$123,742.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.50
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)$217.25
Initial HOA (3 months)$750.00
Prepaid interest, first (21 days)$305.07
Fees + prepaids$10,496.82
Your down payment is the seller’s equity. You take over the $186,705 balance, so the rest of the $299,950 price is paid at closing. A second mortgage can cover part of it. $123,742.20 is due at closing. Uses and sources reconcile at $310,446.82 each. Not a Closing Disclosure.