Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$200,899Cash toward the purchase price.
Closing costs + prepaids$10,082Not just lender fees.
Before credits & paid funds$210,981The complete starting cash picture.
Estimated remaining funds due at closing
$210,981No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,899.37
Your down payment$200,899.37
Closing costs + prepaids$10,081.86
Total buyer cash needed$210,981.24
Remaining funds due$210,981.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,990.00
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)$240.00
Initial HOA (3 months)$414.00
Prepaid interest, first (20 days)$212.86
Fees + prepaids$10,081.86
Your down payment is the seller’s equity. You take over the $98,101 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $210,981.24 is due at closing. Uses and sources reconcile at $309,081.86 each. Not a Closing Disclosure.