Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$123,703Cash toward the purchase price.
Closing costs + prepaids$10,816Not just lender fees.
Before credits & paid funds$134,518The complete starting cash picture.
Estimated remaining funds due at closing
$134,518No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,702.76
Your down payment$123,702.76
Closing costs + prepaids$10,815.59
Total buyer cash needed$134,518.35
Remaining funds due$134,518.35
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)$272.00
Initial HOA (3 months)$864.00
Prepaid interest, first (26 days)$454.60
Fees + prepaids$10,815.59
Your down payment is the seller’s equity. You take over the $176,296 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $134,518.35 is due at closing. Uses and sources reconcile at $310,814.59 each. Not a Closing Disclosure.