Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$147,310Cash toward the purchase price.
Closing costs + prepaids$10,496Not just lender fees.
Before credits & paid funds$157,806The complete starting cash picture.
Estimated remaining funds due at closing
$157,806No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,309.78
Your down payment$147,309.78
Closing costs + prepaids$10,496.09
Total buyer cash needed$157,805.87
Remaining funds due$157,805.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.00
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)$676.75
Initial HOA (3 months)$63.99
Prepaid interest, first (31 days)$531.35
Fees + prepaids$10,496.09
Your down payment is the seller’s equity. You take over the $152,590 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $157,805.87 is due at closing. Uses and sources reconcile at $310,396.09 each. Not a Closing Disclosure.