Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$139,384Cash toward the purchase price.
Closing costs + prepaids$10,241Not just lender fees.
Before credits & paid funds$149,626The complete starting cash picture.
Estimated remaining funds due at closing
$149,626No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,384.43
Your down payment$139,384.43
Closing costs + prepaids$10,241.19
Total buyer cash needed$149,625.61
Remaining funds due$149,625.61
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)$725.00
Prepaid interest, first (30 days)$391.19
Fees + prepaids$10,241.19
Your down payment is the seller’s equity. You take over the $150,616 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $149,625.61 is due at closing. Uses and sources reconcile at $300,241.19 each. Not a Closing Disclosure.