Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$177,874Cash toward the purchase price.
Closing costs + prepaids$10,487Not just lender fees.
Before credits & paid funds$188,361The complete starting cash picture.
Estimated remaining funds due at closing
$188,361No 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$10,486.76
Total buyer cash needed$188,360.86
Remaining funds due$188,360.86
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 (27 days)$343.01
Fees + prepaids$10,486.76
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. $188,360.86 is due at closing. Uses and sources reconcile at $310,386.76 each. Not a Closing Disclosure.