Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$185,825Cash toward the purchase price.
Closing costs + prepaids$10,023Not just lender fees.
Before credits & paid funds$195,849The complete starting cash picture.
Estimated remaining funds due at closing
$195,849No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,825.33
Your down payment$185,825.33
Closing costs + prepaids$10,023.27
Total buyer cash needed$195,848.60
Remaining funds due$195,848.60
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)$762.50
Prepaid interest, first (4 days)$45.77
Fees + prepaids$10,023.27
Your down payment is the seller’s equity. You take over the $113,175 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $195,848.60 is due at closing. Uses and sources reconcile at $309,023.27 each. Not a Closing Disclosure.