Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$144,398Cash toward the purchase price.
Closing costs + prepaids$10,861Not just lender fees.
Before credits & paid funds$155,259The complete starting cash picture.
Estimated remaining funds due at closing
$155,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,398.07
Your down payment$144,398.07
Closing costs + prepaids$10,861.06
Total buyer cash needed$155,259.14
Remaining funds due$155,259.14
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)$602.50
Initial HOA (3 months)$693.00
Prepaid interest, first (28 days)$360.56
Fees + prepaids$10,861.06
Your down payment is the seller’s equity. You take over the $153,602 balance, so the rest of the $298,000 price is paid at closing. A second mortgage can cover part of it. $155,259.14 is due at closing. Uses and sources reconcile at $308,861.06 each. Not a Closing Disclosure.