Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$110,106Cash toward the purchase price.
Closing costs + prepaids$10,054Not just lender fees.
Before credits & paid funds$120,160The complete starting cash picture.
Estimated remaining funds due at closing
$120,160No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,106.22
Your down payment$110,106.22
Closing costs + prepaids$10,053.83
Total buyer cash needed$120,160.06
Remaining funds due$120,160.06
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 (5 days)$76.33
Fees + prepaids$10,053.83
Your down payment is the seller’s equity. You take over the $188,894 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $120,160.06 is due at closing. Uses and sources reconcile at $309,053.83 each. Not a Closing Disclosure.