Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$145,245Cash toward the purchase price.
Closing costs + prepaids$11,305Not just lender fees.
Before credits & paid funds$156,549The complete starting cash picture.
Estimated remaining funds due at closing
$156,549No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,244.62
Your down payment$145,244.62
Closing costs + prepaids$11,304.54
Total buyer cash needed$156,549.16
Remaining funds due$156,549.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,949.00
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)$767.50
Initial HOA (3 months)$1,350.00
Prepaid interest, first (1 days)$13.04
Fees + prepaids$11,304.54
Your down payment is the seller’s equity. You take over the $149,655 balance, so the rest of the $294,900 price is paid at closing. A second mortgage can cover part of it. $156,549.16 is due at closing. Uses and sources reconcile at $306,204.54 each. Not a Closing Disclosure.