Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$144,739Cash toward the purchase price.
Closing costs + prepaids$9,940Not just lender fees.
Before credits & paid funds$154,679The complete starting cash picture.
Estimated remaining funds due at closing
$154,679No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,738.74
Your down payment$144,738.74
Closing costs + prepaids$9,940.21
Total buyer cash needed$154,678.95
Remaining funds due$154,678.95
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)$739.25
Prepaid interest, first (5 days)$76.96
Fees + prepaids$9,940.21
Your down payment is the seller’s equity. You take over the $145,161 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $154,678.95 is due at closing. Uses and sources reconcile at $299,840.21 each. Not a Closing Disclosure.