Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$128,305Cash toward the purchase price.
Closing costs + prepaids$10,339Not just lender fees.
Before credits & paid funds$138,644The complete starting cash picture.
Estimated remaining funds due at closing
$138,644No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,304.57
Your down payment$128,304.57
Closing costs + prepaids$10,339.36
Total buyer cash needed$138,643.94
Remaining funds due$138,643.94
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)$368.50
Initial HOA (3 months)$276.00
Prepaid interest, first (31 days)$479.86
Fees + prepaids$10,339.36
Your down payment is the seller’s equity. You take over the $170,695 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $138,643.94 is due at closing. Uses and sources reconcile at $309,339.36 each. Not a Closing Disclosure.