Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$139,339Cash toward the purchase price.
Closing costs + prepaids$10,715Not just lender fees.
Before credits & paid funds$150,055The complete starting cash picture.
Estimated remaining funds due at closing
$150,055No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,339.41
Your down payment$139,339.41
Closing costs + prepaids$10,715.27
Total buyer cash needed$150,054.68
Remaining funds due$150,054.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,849.99
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)$1,222.50
Prepaid interest, first (29 days)$417.78
Fees + prepaids$10,715.27
Your down payment is the seller’s equity. You take over the $145,660 balance, so the rest of the $284,999 price is paid at closing. A second mortgage can cover part of it. $150,054.68 is due at closing. Uses and sources reconcile at $295,714.27 each. Not a Closing Disclosure.