Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$150,694Cash toward the purchase price.
Closing costs + prepaids$10,836Not just lender fees.
Before credits & paid funds$161,530The complete starting cash picture.
Estimated remaining funds due at closing
$161,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,694.18
Your down payment$150,694.18
Closing costs + prepaids$10,836.19
Total buyer cash needed$161,530.37
Remaining funds due$161,530.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,976.71
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)$310.50
Initial HOA (3 months)$1,050.00
Prepaid interest, first (18 days)$273.98
Fees + prepaids$10,836.19
Your down payment is the seller’s equity. You take over the $146,977 balance, so the rest of the $297,671 price is paid at closing. A second mortgage can cover part of it. $161,530.37 is due at closing. Uses and sources reconcile at $308,507.19 each. Not a Closing Disclosure.