Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$147,372Cash toward the purchase price.
Closing costs + prepaids$9,864Not just lender fees.
Before credits & paid funds$157,236The complete starting cash picture.
Estimated remaining funds due at closing
$157,236No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,372.10
Your down payment$147,372.10
Closing costs + prepaids$9,863.51
Total buyer cash needed$157,235.61
Remaining funds due$157,235.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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)$419.00
Prepaid interest, first (27 days)$320.51
Fees + prepaids$9,863.51
Your down payment is the seller’s equity. You take over the $142,528 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $157,235.61 is due at closing. Uses and sources reconcile at $299,763.51 each. Not a Closing Disclosure.