Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$146,891Cash toward the purchase price.
Closing costs + prepaids$10,430Not just lender fees.
Before credits & paid funds$157,321The complete starting cash picture.
Estimated remaining funds due at closing
$157,321No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,890.75
Your down payment$146,890.75
Closing costs + prepaids$10,430.08
Total buyer cash needed$157,320.82
Remaining funds due$157,320.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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)$146.25
Initial HOA (3 months)$834.00
Prepaid interest, first (27 days)$325.83
Fees + prepaids$10,430.08
Your down payment is the seller’s equity. You take over the $143,009 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $157,320.82 is due at closing. Uses and sources reconcile at $300,330.08 each. Not a Closing Disclosure.