Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$95,357Cash toward the purchase price.
Closing costs + prepaids$10,775Not just lender fees.
Before credits & paid funds$106,132The complete starting cash picture.
Estimated remaining funds due at closing
$106,132No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,357.35
Your down payment$95,357.35
Closing costs + prepaids$10,774.81
Total buyer cash needed$106,132.16
Remaining funds due$106,132.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.99
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)$247.25
Initial HOA (3 months)$624.00
Prepaid interest, first (19 days)$678.57
Fees + prepaids$10,774.81
Your down payment is the seller’s equity. You take over the $204,642 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $106,132.16 is due at closing. Uses and sources reconcile at $310,773.81 each. Not a Closing Disclosure.