Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$145,666Cash toward the purchase price.
Closing costs + prepaids$10,493Not just lender fees.
Before credits & paid funds$156,159The complete starting cash picture.
Estimated remaining funds due at closing
$156,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,666.24
Your down payment$145,666.24
Closing costs + prepaids$10,492.60
Total buyer cash needed$156,158.84
Remaining funds due$156,158.84
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)$989.25
Prepaid interest, first (25 days)$379.35
Fees + prepaids$10,492.60
Your down payment is the seller’s equity. You take over the $144,234 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $156,158.84 is due at closing. Uses and sources reconcile at $300,392.60 each. Not a Closing Disclosure.