Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$128,775Cash toward the purchase price.
Closing costs + prepaids$10,439Not just lender fees.
Before credits & paid funds$139,214The complete starting cash picture.
Estimated remaining funds due at closing
$139,214No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,775.00
Your down payment$128,775.00
Closing costs + prepaids$10,439.09
Total buyer cash needed$139,214.09
Remaining funds due$139,214.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$413.00
Initial HOA (3 months)$210.00
Prepaid interest, first (1 days)$41.09
Fees + prepaids$10,439.09
Your down payment is the seller’s equity. You take over the $226,225 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $139,214.09 is due at closing. Uses and sources reconcile at $365,439.09 each. Not a Closing Disclosure.