Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$177,874Cash toward the purchase price.
Closing costs + prepaids$10,538Not just lender fees.
Before credits & paid funds$188,412The complete starting cash picture.
Estimated remaining funds due at closing
$188,412No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,874.10
Your down payment$177,874.10
Closing costs + prepaids$10,537.58
Total buyer cash needed$188,411.67
Remaining funds due$188,411.67
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)$304.75
Initial HOA (3 months)$615.00
Prepaid interest, first (31 days)$393.83
Fees + prepaids$10,537.58
Your down payment is the seller’s equity. You take over the $122,026 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $188,411.67 is due at closing. Uses and sources reconcile at $310,437.58 each. Not a Closing Disclosure.