Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$150,538Cash toward the purchase price.
Closing costs + prepaids$9,840Not just lender fees.
Before credits & paid funds$160,378The complete starting cash picture.
Estimated remaining funds due at closing
$160,378No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,537.62
Your down payment$150,537.62
Closing costs + prepaids$9,839.93
Total buyer cash needed$160,377.55
Remaining funds due$160,377.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,900.00
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)$449.00
Prepaid interest, first (24 days)$265.93
Fees + prepaids$9,839.93
Your down payment is the seller’s equity. You take over the $139,462 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $160,377.55 is due at closing. Uses and sources reconcile at $299,839.93 each. Not a Closing Disclosure.