Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$117,051Cash toward the purchase price.
Closing costs + prepaids$9,581Not just lender fees.
Before credits & paid funds$126,632The complete starting cash picture.
Estimated remaining funds due at closing
$126,632No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,051.48
Your down payment$117,051.48
Closing costs + prepaids$9,580.82
Total buyer cash needed$126,632.29
Remaining funds due$126,632.29
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)$322.00
Prepaid interest, first (1 days)$34.82
Fees + prepaids$9,580.82
Your down payment is the seller’s equity. You take over the $182,849 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $126,632.29 is due at closing. Uses and sources reconcile at $309,480.82 each. Not a Closing Disclosure.