Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$139,864Cash toward the purchase price.
Closing costs + prepaids$9,962Not just lender fees.
Before credits & paid funds$149,826The complete starting cash picture.
Estimated remaining funds due at closing
$149,826No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,863.98
Your down payment$139,863.98
Closing costs + prepaids$9,961.52
Total buyer cash needed$149,825.50
Remaining funds due$149,825.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,990.00
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)$373.75
Prepaid interest, first (15 days)$372.77
Fees + prepaids$9,961.52
Your down payment is the seller’s equity. You take over the $159,136 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $149,825.50 is due at closing. Uses and sources reconcile at $308,961.52 each. Not a Closing Disclosure.