Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$151,108Cash toward the purchase price.
Closing costs + prepaids$10,042Not just lender fees.
Before credits & paid funds$161,150The complete starting cash picture.
Estimated remaining funds due at closing
$161,150No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,108.13
Your down payment$151,108.13
Closing costs + prepaids$10,042.29
Total buyer cash needed$161,150.43
Remaining funds due$161,150.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,050.00
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)$728.25
Prepaid interest, first (2 days)$39.04
Fees + prepaids$10,042.29
Your down payment is the seller’s equity. You take over the $153,892 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $161,150.43 is due at closing. Uses and sources reconcile at $315,042.29 each. Not a Closing Disclosure.