Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$144,803Cash toward the purchase price.
Closing costs + prepaids$11,319Not just lender fees.
Before credits & paid funds$156,122The complete starting cash picture.
Estimated remaining funds due at closing
$156,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,803.21
Your down payment$144,803.21
Closing costs + prepaids$11,318.72
Total buyer cash needed$156,121.94
Remaining funds due$156,121.94
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 (2 days)$27.22
Fees + prepaids$11,318.72
Your down payment is the seller’s equity. You take over the $150,097 balance, so the rest of the $294,900 price is paid at closing. A second mortgage can cover part of it. $156,121.94 is due at closing. Uses and sources reconcile at $306,218.72 each. Not a Closing Disclosure.