Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$84,122Cash toward the purchase price.
Closing costs + prepaids$10,256Not just lender fees.
Before credits & paid funds$94,378The complete starting cash picture.
Estimated remaining funds due at closing
$94,378No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,121.99
Your down payment$84,121.99
Closing costs + prepaids$10,255.67
Total buyer cash needed$94,377.66
Remaining funds due$94,377.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.00
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)$395.75
Prepaid interest, first (31 days)$635.92
Fees + prepaids$10,255.67
Your down payment is the seller’s equity. You take over the $215,778 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $94,377.66 is due at closing. Uses and sources reconcile at $310,155.67 each. Not a Closing Disclosure.