Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$131,253Cash toward the purchase price.
Closing costs + prepaids$10,128Not just lender fees.
Before credits & paid funds$141,381The complete starting cash picture.
Estimated remaining funds due at closing
$141,381No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,253.08
Your down payment$131,253.08
Closing costs + prepaids$10,128.09
Total buyer cash needed$141,381.16
Remaining funds due$141,381.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,890.00
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)$626.50
Initial HOA (3 months)$108.00
Prepaid interest, first (22 days)$278.59
Fees + prepaids$10,128.09
Your down payment is the seller’s equity. You take over the $157,747 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $141,381.16 is due at closing. Uses and sources reconcile at $299,128.09 each. Not a Closing Disclosure.