Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$128,314Cash toward the purchase price.
Closing costs + prepaids$9,918Not just lender fees.
Before credits & paid funds$138,232The complete starting cash picture.
Estimated remaining funds due at closing
$138,232No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,314.27
Your down payment$128,314.27
Closing costs + prepaids$9,918.01
Total buyer cash needed$138,232.27
Remaining funds due$138,232.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.90
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)$780.75
Prepaid interest, first (1 days)$12.36
Fees + prepaids$9,918.01
Your down payment is the seller’s equity. You take over the $161,676 balance, so the rest of the $289,990 price is paid at closing. A second mortgage can cover part of it. $138,232.27 is due at closing. Uses and sources reconcile at $299,908.01 each. Not a Closing Disclosure.