Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$174,557Cash toward the purchase price.
Closing costs + prepaids$9,699Not just lender fees.
Before credits & paid funds$184,255The complete starting cash picture.
Estimated remaining funds due at closing
$184,255No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,556.85
Your down payment$174,556.85
Closing costs + prepaids$9,698.58
Total buyer cash needed$184,255.43
Remaining funds due$184,255.43
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)$120.00
Prepaid interest, first (31 days)$363.58
Fees + prepaids$9,698.58
Your down payment is the seller’s equity. You take over the $124,443 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $184,255.43 is due at closing. Uses and sources reconcile at $308,698.58 each. Not a Closing Disclosure.