Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$145,542Cash toward the purchase price.
Closing costs + prepaids$10,896Not just lender fees.
Before credits & paid funds$156,438The complete starting cash picture.
Estimated remaining funds due at closing
$156,438No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,542.10
Your down payment$145,542.10
Closing costs + prepaids$10,896.38
Total buyer cash needed$156,438.48
Remaining funds due$156,438.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.50
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)$1,655.00
Prepaid interest, first (1 days)$16.88
Fees + prepaids$10,896.38
Your down payment is the seller’s equity. You take over the $154,408 balance, so the rest of the $299,950 price is paid at closing. A second mortgage can cover part of it. $156,438.48 is due at closing. Uses and sources reconcile at $310,846.38 each. Not a Closing Disclosure.