Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$139,117Cash toward the purchase price.
Closing costs + prepaids$11,058Not just lender fees.
Before credits & paid funds$150,175The complete starting cash picture.
Estimated remaining funds due at closing
$150,175No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,117.38
Your down payment$139,117.38
Closing costs + prepaids$11,057.78
Total buyer cash needed$150,175.16
Remaining funds due$150,175.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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)$1,067.25
Initial HOA (3 months)$426.00
Prepaid interest, first (31 days)$440.53
Fees + prepaids$11,057.78
Your down payment is the seller’s equity. You take over the $150,783 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $150,175.16 is due at closing. Uses and sources reconcile at $300,957.78 each. Not a Closing Disclosure.