Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$135,892Cash toward the purchase price.
Closing costs + prepaids$9,537Not just lender fees.
Before credits & paid funds$145,428The complete starting cash picture.
Estimated remaining funds due at closing
$145,428No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,891.71
Your down payment$135,891.71
Closing costs + prepaids$9,536.71
Total buyer cash needed$145,428.41
Remaining funds due$145,428.41
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)$259.50
Initial HOA (3 months)$24.00
Prepaid interest, first (1 days)$29.21
Fees + prepaids$9,536.71
Your down payment is the seller’s equity. You take over the $164,008 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $145,428.41 is due at closing. Uses and sources reconcile at $309,436.71 each. Not a Closing Disclosure.