Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$145,348Cash toward the purchase price.
Closing costs + prepaids$10,397Not just lender fees.
Before credits & paid funds$155,745The complete starting cash picture.
Estimated remaining funds due at closing
$155,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,348.13
Your down payment$145,348.13
Closing costs + prepaids$10,396.97
Total buyer cash needed$155,745.10
Remaining funds due$155,745.10
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)$144.00
Initial HOA (3 months)$702.00
Prepaid interest, first (23 days)$335.97
Fees + prepaids$10,396.97
Your down payment is the seller’s equity. You take over the $153,652 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $155,745.10 is due at closing. Uses and sources reconcile at $309,396.97 each. Not a Closing Disclosure.