Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$112,950Cash toward the purchase price.
Closing costs + prepaids$10,307Not just lender fees.
Before credits & paid funds$123,257The complete starting cash picture.
Estimated remaining funds due at closing
$123,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,950.02
Your down payment$112,950.02
Closing costs + prepaids$10,307.20
Total buyer cash needed$123,257.22
Remaining funds due$123,257.22
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
Initial HOA (3 months)$579.00
Prepaid interest, first (10 days)$154.45
Fees + prepaids$10,307.20
Your down payment is the seller’s equity. You take over the $186,050 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $123,257.22 is due at closing. Uses and sources reconcile at $309,307.20 each. Not a Closing Disclosure.