Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$95,836Cash toward the purchase price.
Closing costs + prepaids$9,747Not just lender fees.
Before credits & paid funds$105,583The complete starting cash picture.
Estimated remaining funds due at closing
$105,583No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,836.41
Your down payment$95,836.41
Closing costs + prepaids$9,746.58
Total buyer cash needed$105,582.99
Remaining funds due$105,582.99
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)$358.75
Prepaid interest, first (9 days)$172.83
Fees + prepaids$9,746.58
Your down payment is the seller’s equity. You take over the $203,164 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $105,582.99 is due at closing. Uses and sources reconcile at $308,746.58 each. Not a Closing Disclosure.