Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$144,739Cash toward the purchase price.
Closing costs + prepaids$10,453Not just lender fees.
Before credits & paid funds$155,192The complete starting cash picture.
Estimated remaining funds due at closing
$155,192No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,738.74
Your down payment$144,738.74
Closing costs + prepaids$10,453.42
Total buyer cash needed$155,192.16
Remaining funds due$155,192.16
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)$929.25
Prepaid interest, first (26 days)$400.17
Fees + prepaids$10,453.42
Your down payment is the seller’s equity. You take over the $145,161 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $155,192.16 is due at closing. Uses and sources reconcile at $300,353.42 each. Not a Closing Disclosure.