Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$91,168Cash toward the purchase price.
Closing costs + prepaids$9,513Not just lender fees.
Before credits & paid funds$100,681The complete starting cash picture.
Estimated remaining funds due at closing
$100,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,168.44
Your down payment$91,168.44
Closing costs + prepaids$9,512.76
Total buyer cash needed$100,681.19
Remaining funds due$100,681.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,980.00
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)$177.25
Initial HOA (3 months)$99.00
Prepaid interest, first (2 days)$31.51
Fees + prepaids$9,512.76
Your down payment is the seller’s equity. You take over the $206,832 balance, so the rest of the $298,000 price is paid at closing. A second mortgage can cover part of it. $100,681.19 is due at closing. Uses and sources reconcile at $307,512.76 each. Not a Closing Disclosure.