Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$174,193Cash toward the purchase price.
Closing costs + prepaids$9,359Not just lender fees.
Before credits & paid funds$183,551The complete starting cash picture.
Estimated remaining funds due at closing
$183,551No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,192.54
Your down payment$174,192.54
Closing costs + prepaids$9,358.53
Total buyer cash needed$183,551.07
Remaining funds due$183,551.07
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)$120.00
Prepaid interest, first (2 days)$23.53
Fees + prepaids$9,358.53
Your down payment is the seller’s equity. You take over the $124,807 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $183,551.07 is due at closing. Uses and sources reconcile at $308,358.53 each. Not a Closing Disclosure.