Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$129,786Cash toward the purchase price.
Closing costs + prepaids$10,384Not just lender fees.
Before credits & paid funds$140,169The complete starting cash picture.
Estimated remaining funds due at closing
$140,169No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,785.65
Your down payment$129,785.65
Closing costs + prepaids$10,383.72
Total buyer cash needed$140,169.37
Remaining funds due$140,169.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
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)$524.75
Initial HOA (3 months)$225.00
Prepaid interest, first (1 days)$18.97
Fees + prepaids$10,383.72
Your down payment is the seller’s equity. You take over the $209,214 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $140,169.37 is due at closing. Uses and sources reconcile at $349,383.72 each. Not a Closing Disclosure.