Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$134,783Cash toward the purchase price.
Closing costs + prepaids$9,946Not just lender fees.
Before credits & paid funds$144,728The complete starting cash picture.
Estimated remaining funds due at closing
$144,728No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,782.80
Your down payment$134,782.80
Closing costs + prepaids$9,945.61
Total buyer cash needed$144,728.41
Remaining funds due$144,728.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,990.00
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)$715.00
Prepaid interest, first (1 days)$15.61
Fees + prepaids$9,945.61
Your down payment is the seller’s equity. You take over the $164,217 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $144,728.41 is due at closing. Uses and sources reconcile at $308,945.61 each. Not a Closing Disclosure.