Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$142,722Cash toward the purchase price.
Closing costs + prepaids$10,028Not just lender fees.
Before credits & paid funds$152,749The complete starting cash picture.
Estimated remaining funds due at closing
$152,749No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,721.62
Your down payment$142,721.62
Closing costs + prepaids$10,027.76
Total buyer cash needed$152,749.38
Remaining funds due$152,749.38
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)$442.25
Prepaid interest, first (23 days)$361.51
Fees + prepaids$10,027.76
Your down payment is the seller’s equity. You take over the $157,178 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $152,749.38 is due at closing. Uses and sources reconcile at $309,927.76 each. Not a Closing Disclosure.