Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$140,152Cash toward the purchase price.
Closing costs + prepaids$11,567Not just lender fees.
Before credits & paid funds$151,720The complete starting cash picture.
Estimated remaining funds due at closing
$151,720No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,152.16
Your down payment$140,152.16
Closing costs + prepaids$11,567.42
Total buyer cash needed$151,719.58
Remaining funds due$151,719.58
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)$767.50
Initial HOA (3 months)$1,350.00
Prepaid interest, first (24 days)$325.92
Fees + prepaids$11,567.42
Your down payment is the seller’s equity. You take over the $149,748 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $151,719.58 is due at closing. Uses and sources reconcile at $301,467.42 each. Not a Closing Disclosure.