Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$155,994Cash toward the purchase price.
Closing costs + prepaids$10,074Not just lender fees.
Before credits & paid funds$166,068The complete starting cash picture.
Estimated remaining funds due at closing
$166,068No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,993.78
Your down payment$155,993.78
Closing costs + prepaids$10,074.15
Total buyer cash needed$166,067.93
Remaining funds due$166,067.93
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)$568.25
Prepaid interest, first (25 days)$281.90
Fees + prepaids$10,074.15
Your down payment is the seller’s equity. You take over the $143,906 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $166,067.93 is due at closing. Uses and sources reconcile at $309,974.15 each. Not a Closing Disclosure.