Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$143,296Cash toward the purchase price.
Closing costs + prepaids$10,391Not just lender fees.
Before credits & paid funds$153,687The complete starting cash picture.
Estimated remaining funds due at closing
$153,687No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,296.02
Your down payment$143,296.02
Closing costs + prepaids$10,391.23
Total buyer cash needed$153,687.25
Remaining funds due$153,687.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,900.00
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)$141.25
Initial HOA (3 months)$654.00
Prepaid interest, first (31 days)$470.98
Fees + prepaids$10,391.23
Your down payment is the seller’s equity. You take over the $146,704 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $153,687.25 is due at closing. Uses and sources reconcile at $300,391.23 each. Not a Closing Disclosure.