Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$138,679Cash toward the purchase price.
Closing costs + prepaids$10,118Not just lender fees.
Before credits & paid funds$148,797The complete starting cash picture.
Estimated remaining funds due at closing
$148,797No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,679.39
Your down payment$138,679.39
Closing costs + prepaids$10,117.52
Total buyer cash needed$148,796.90
Remaining funds due$148,796.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,990.00
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)$491.00
Prepaid interest, first (27 days)$411.52
Fees + prepaids$10,117.52
Your down payment is the seller’s equity. You take over the $160,321 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $148,796.90 is due at closing. Uses and sources reconcile at $309,117.52 each. Not a Closing Disclosure.