Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$145,890Cash toward the purchase price.
Closing costs + prepaids$11,267Not just lender fees.
Before credits & paid funds$157,157The complete starting cash picture.
Estimated remaining funds due at closing
$157,157No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,890.19
Your down payment$145,890.19
Closing costs + prepaids$11,266.84
Total buyer cash needed$157,157.03
Remaining funds due$157,157.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.50
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)$1,655.00
Prepaid interest, first (23 days)$387.34
Fees + prepaids$11,266.84
Your down payment is the seller’s equity. You take over the $154,060 balance, so the rest of the $299,950 price is paid at closing. A second mortgage can cover part of it. $157,157.03 is due at closing. Uses and sources reconcile at $311,216.84 each. Not a Closing Disclosure.