Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$153,605Cash toward the purchase price.
Closing costs + prepaids$11,004Not just lender fees.
Before credits & paid funds$164,609The complete starting cash picture.
Estimated remaining funds due at closing
$164,609No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,605.34
Your down payment$153,605.34
Closing costs + prepaids$11,003.92
Total buyer cash needed$164,609.25
Remaining funds due$164,609.25
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)$764.75
Initial HOA (3 months)$933.00
Prepaid interest, first (5 days)$82.17
Fees + prepaids$11,003.92
Your down payment is the seller’s equity. You take over the $146,295 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $164,609.25 is due at closing. Uses and sources reconcile at $310,903.92 each. Not a Closing Disclosure.