Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$128,686Cash toward the purchase price.
Closing costs + prepaids$10,242Not just lender fees.
Before credits & paid funds$138,928The complete starting cash picture.
Estimated remaining funds due at closing
$138,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,686.19
Your down payment$128,686.19
Closing costs + prepaids$10,241.63
Total buyer cash needed$138,927.82
Remaining funds due$138,927.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.99
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)$499.50
Initial HOA (3 months)$252.00
Prepaid interest, first (18 days)$365.14
Fees + prepaids$10,241.63
Your down payment is the seller’s equity. You take over the $161,313 balance, so the rest of the $289,999 price is paid at closing. A second mortgage can cover part of it. $138,927.82 is due at closing. Uses and sources reconcile at $300,240.63 each. Not a Closing Disclosure.