Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$141,054Cash toward the purchase price.
Closing costs + prepaids$11,403Not just lender fees.
Before credits & paid funds$152,458The complete starting cash picture.
Estimated remaining funds due at closing
$152,458No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,054.48
Your down payment$141,054.48
Closing costs + prepaids$11,403.31
Total buyer cash needed$152,457.79
Remaining funds due$152,457.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,099.99
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)$1,597.50
Initial HOA (3 months)$33.00
Prepaid interest, first (25 days)$447.82
Fees + prepaids$11,403.31
Your down payment is the seller’s equity. You take over the $168,945 balance, so the rest of the $309,999 price is paid at closing. A second mortgage can cover part of it. $152,457.79 is due at closing. Uses and sources reconcile at $321,402.31 each. Not a Closing Disclosure.