Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$135,520Cash toward the purchase price.
Closing costs + prepaids$11,216Not just lender fees.
Before credits & paid funds$146,736The complete starting cash picture.
Estimated remaining funds due at closing
$146,736No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,520.07
Your down payment$135,520.07
Closing costs + prepaids$11,215.99
Total buyer cash needed$146,736.06
Remaining funds due$146,736.06
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)$1,478.75
Prepaid interest, first (22 days)$522.24
Fees + prepaids$11,215.99
Your down payment is the seller’s equity. You take over the $163,480 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $146,736.06 is due at closing. Uses and sources reconcile at $310,215.99 each. Not a Closing Disclosure.