Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$141,436Cash toward the purchase price.
Closing costs + prepaids$10,033Not just lender fees.
Before credits & paid funds$151,469The complete starting cash picture.
Estimated remaining funds due at closing
$151,469No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,436.39
Your down payment$141,436.39
Closing costs + prepaids$10,033.07
Total buyer cash needed$151,469.46
Remaining funds due$151,469.46
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)$377.50
Prepaid interest, first (27 days)$440.57
Fees + prepaids$10,033.07
Your down payment is the seller’s equity. You take over the $157,564 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $151,469.46 is due at closing. Uses and sources reconcile at $309,033.07 each. Not a Closing Disclosure.