Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$147,638Cash toward the purchase price.
Closing costs + prepaids$10,160Not just lender fees.
Before credits & paid funds$157,797The complete starting cash picture.
Estimated remaining funds due at closing
$157,797No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,637.52
Your down payment$147,637.52
Closing costs + prepaids$10,159.58
Total buyer cash needed$157,797.10
Remaining funds due$157,797.10
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)$191.00
Prepaid interest, first (28 days)$753.58
Fees + prepaids$10,159.58
Your down payment is the seller’s equity. You take over the $151,362 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $157,797.10 is due at closing. Uses and sources reconcile at $309,159.58 each. Not a Closing Disclosure.