Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$91,168Cash toward the purchase price.
Closing costs + prepaids$9,497Not just lender fees.
Before credits & paid funds$100,665The complete starting cash picture.
Estimated remaining funds due at closing
$100,665No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,168.44
Your down payment$91,168.44
Closing costs + prepaids$9,497.00
Total buyer cash needed$100,665.44
Remaining funds due$100,665.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,980.00
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)$177.25
Initial HOA (3 months)$99.00
Prepaid interest, first (1 days)$15.75
Fees + prepaids$9,497.00
Your down payment is the seller’s equity. You take over the $206,832 balance, so the rest of the $298,000 price is paid at closing. A second mortgage can cover part of it. $100,665.44 is due at closing. Uses and sources reconcile at $307,497.00 each. Not a Closing Disclosure.