Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$133,146Cash toward the purchase price.
Closing costs + prepaids$10,417Not just lender fees.
Before credits & paid funds$143,564The complete starting cash picture.
Estimated remaining funds due at closing
$143,564No 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$10,417.41
Total buyer cash needed$143,563.60
Remaining funds due$143,563.60
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 (30 days)$544.91
Fees + prepaids$10,417.41
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. $143,563.60 is due at closing. Uses and sources reconcile at $330,317.41 each. Not a Closing Disclosure.