Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$151,439Cash toward the purchase price.
Closing costs + prepaids$10,451Not just lender fees.
Before credits & paid funds$161,890The complete starting cash picture.
Estimated remaining funds due at closing
$161,890No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,438.74
Your down payment$151,438.74
Closing costs + prepaids$10,451.27
Total buyer cash needed$161,890.01
Remaining funds due$161,890.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,050.00
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)$728.25
Prepaid interest, first (23 days)$448.02
Fees + prepaids$10,451.27
Your down payment is the seller’s equity. You take over the $153,561 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $161,890.01 is due at closing. Uses and sources reconcile at $315,451.27 each. Not a Closing Disclosure.