Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$139,155Cash toward the purchase price.
Closing costs + prepaids$10,742Not just lender fees.
Before credits & paid funds$149,897The complete starting cash picture.
Estimated remaining funds due at closing
$149,897No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,154.58
Your down payment$139,154.58
Closing costs + prepaids$10,742.42
Total buyer cash needed$149,897.00
Remaining funds due$149,897.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.00
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)$699.75
Initial HOA (3 months)$546.00
Prepaid interest, first (27 days)$472.67
Fees + prepaids$10,742.42
Your down payment is the seller’s equity. You take over the $140,745 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $149,897.00 is due at closing. Uses and sources reconcile at $290,642.42 each. Not a Closing Disclosure.