Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$154,143Cash toward the purchase price.
Closing costs + prepaids$9,396Not just lender fees.
Before credits & paid funds$163,540The complete starting cash picture.
Estimated remaining funds due at closing
$163,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,143.38
Your down payment$154,143.38
Closing costs + prepaids$9,396.18
Total buyer cash needed$163,539.56
Remaining funds due$163,539.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,949.00
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)$210.50
Prepaid interest, first (1 days)$11.68
Fees + prepaids$9,396.18
Your down payment is the seller’s equity. You take over the $140,757 balance, so the rest of the $294,900 price is paid at closing. A second mortgage can cover part of it. $163,539.56 is due at closing. Uses and sources reconcile at $304,296.18 each. Not a Closing Disclosure.