Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$95,357Cash toward the purchase price.
Closing costs + prepaids$10,530Not just lender fees.
Before credits & paid funds$105,888The complete starting cash picture.
Estimated remaining funds due at closing
$105,888No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,357.35
Your down payment$95,357.35
Closing costs + prepaids$10,530.42
Total buyer cash needed$105,887.77
Remaining funds due$105,887.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.99
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)$360.00
Initial HOA (3 months)$624.00
Prepaid interest, first (9 days)$321.43
Fees + prepaids$10,530.42
Your down payment is the seller’s equity. You take over the $204,642 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $105,887.77 is due at closing. Uses and sources reconcile at $310,529.42 each. Not a Closing Disclosure.