Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$135,909Cash toward the purchase price.
Closing costs + prepaids$10,411Not just lender fees.
Before credits & paid funds$146,320The complete starting cash picture.
Estimated remaining funds due at closing
$146,320No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,908.93
Your down payment$135,908.93
Closing costs + prepaids$10,410.69
Total buyer cash needed$146,319.62
Remaining funds due$146,319.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,160.00
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)$499.75
Initial HOA (3 months)$510.00
Prepaid interest, first (1 days)$15.94
Fees + prepaids$10,410.69
Your down payment is the seller’s equity. You take over the $180,091 balance, so the rest of the $316,000 price is paid at closing. A second mortgage can cover part of it. $146,319.62 is due at closing. Uses and sources reconcile at $326,410.69 each. Not a Closing Disclosure.