Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$125,956Cash toward the purchase price.
Closing costs + prepaids$10,398Not just lender fees.
Before credits & paid funds$136,354The complete starting cash picture.
Estimated remaining funds due at closing
$136,354No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,955.59
Your down payment$125,955.59
Closing costs + prepaids$10,398.29
Total buyer cash needed$136,353.87
Remaining funds due$136,353.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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)$714.00
Prepaid interest, first (27 days)$560.29
Fees + prepaids$10,398.29
Your down payment is the seller’s equity. You take over the $163,944 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $136,353.87 is due at closing. Uses and sources reconcile at $300,298.29 each. Not a Closing Disclosure.