Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$150,538Cash toward the purchase price.
Closing costs + prepaids$10,200Not just lender fees.
Before credits & paid funds$160,738The complete starting cash picture.
Estimated remaining funds due at closing
$160,738No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,537.71
Your down payment$150,537.71
Closing costs + prepaids$10,200.18
Total buyer cash needed$160,737.90
Remaining funds due$160,737.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.00
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)$595.00
Prepaid interest, first (27 days)$381.18
Fees + prepaids$10,200.18
Your down payment is the seller’s equity. You take over the $149,362 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $160,737.90 is due at closing. Uses and sources reconcile at $310,100.18 each. Not a Closing Disclosure.