Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$91,667Cash toward the purchase price.
Closing costs + prepaids$9,968Not just lender fees.
Before credits & paid funds$101,636The complete starting cash picture.
Estimated remaining funds due at closing
$101,636No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,667.13
Your down payment$91,667.13
Closing costs + prepaids$9,968.42
Total buyer cash needed$101,635.55
Remaining funds due$101,635.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,980.00
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)$177.25
Initial HOA (3 months)$99.00
Prepaid interest, first (31 days)$487.17
Fees + prepaids$9,968.42
Your down payment is the seller’s equity. You take over the $206,333 balance, so the rest of the $298,000 price is paid at closing. A second mortgage can cover part of it. $101,635.55 is due at closing. Uses and sources reconcile at $307,968.42 each. Not a Closing Disclosure.