Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$152,044Cash toward the purchase price.
Closing costs + prepaids$10,830Not just lender fees.
Before credits & paid funds$162,874The complete starting cash picture.
Estimated remaining funds due at closing
$162,874No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,044.11
Your down payment$152,044.11
Closing costs + prepaids$10,829.74
Total buyer cash needed$162,873.85
Remaining funds due$162,873.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.99
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)$937.50
Initial HOA (3 months)$300.00
Prepaid interest, first (30 days)$367.25
Fees + prepaids$10,829.74
Your down payment is the seller’s equity. You take over the $147,955 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $162,873.85 is due at closing. Uses and sources reconcile at $310,828.74 each. Not a Closing Disclosure.