Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$154,849Cash toward the purchase price.
Closing costs + prepaids$10,502Not just lender fees.
Before credits & paid funds$165,351The complete starting cash picture.
Estimated remaining funds due at closing
$165,351No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,848.59
Your down payment$154,848.59
Closing costs + prepaids$10,502.13
Total buyer cash needed$165,350.73
Remaining funds due$165,350.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,900.00
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)$725.00
Prepaid interest, first (28 days)$652.13
Fees + prepaids$10,502.13
Your down payment is the seller’s equity. You take over the $135,151 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $165,350.73 is due at closing. Uses and sources reconcile at $300,502.13 each. Not a Closing Disclosure.