Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$133,146Cash toward the purchase price.
Closing costs + prepaids$10,436Not just lender fees.
Before credits & paid funds$143,582The complete starting cash picture.
Estimated remaining funds due at closing
$143,582No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,146.19
Your down payment$133,146.19
Closing costs + prepaids$10,435.58
Total buyer cash needed$143,581.77
Remaining funds due$143,581.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$277.50
Initial HOA (3 months)$171.00
Prepaid interest, first (31 days)$563.08
Fees + prepaids$10,435.58
Your down payment is the seller’s equity. You take over the $186,754 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $143,581.77 is due at closing. Uses and sources reconcile at $330,335.58 each. Not a Closing Disclosure.