Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$141,299Cash toward the purchase price.
Closing costs + prepaids$9,913Not just lender fees.
Before credits & paid funds$151,211The complete starting cash picture.
Estimated remaining funds due at closing
$151,211No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,298.63
Your down payment$141,298.63
Closing costs + prepaids$9,912.66
Total buyer cash needed$151,211.29
Remaining funds due$151,211.29
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)$360.00
Initial HOA (3 months)$182.01
Prepaid interest, first (9 days)$146.65
Fees + prepaids$9,912.66
Your down payment is the seller’s equity. You take over the $158,601 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $151,211.29 is due at closing. Uses and sources reconcile at $309,812.66 each. Not a Closing Disclosure.