Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$143,296Cash toward the purchase price.
Closing costs + prepaids$10,400Not just lender fees.
Before credits & paid funds$153,696The complete starting cash picture.
Estimated remaining funds due at closing
$153,696No 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$10,400.47
Total buyer cash needed$153,696.49
Remaining funds due$153,696.49
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)$348.00
Initial HOA (3 months)$654.00
Prepaid interest, first (18 days)$273.47
Fees + prepaids$10,400.47
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. $153,696.49 is due at closing. Uses and sources reconcile at $300,400.47 each. Not a Closing Disclosure.