Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$138,314Cash toward the purchase price.
Closing costs + prepaids$10,020Not just lender fees.
Before credits & paid funds$148,335The complete starting cash picture.
Estimated remaining funds due at closing
$148,335No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,314.27
Your down payment$138,314.27
Closing costs + prepaids$10,020.26
Total buyer cash needed$148,334.52
Remaining funds due$148,334.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.90
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)$783.00
Prepaid interest, first (1 days)$12.36
Fees + prepaids$10,020.26
Your down payment is the seller’s equity. You take over the $161,676 balance, so the rest of the $299,990 price is paid at closing. A second mortgage can cover part of it. $148,334.52 is due at closing. Uses and sources reconcile at $310,010.26 each. Not a Closing Disclosure.