Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$141,124Cash toward the purchase price.
Closing costs + prepaids$10,189Not just lender fees.
Before credits & paid funds$151,312The complete starting cash picture.
Estimated remaining funds due at closing
$151,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,123.81
Your down payment$141,123.81
Closing costs + prepaids$10,188.62
Total buyer cash needed$151,312.43
Remaining funds due$151,312.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,232.99
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)$530.00
Initial HOA (3 months)$182.01
Prepaid interest, first (1 days)$18.62
Fees + prepaids$10,188.62
Your down payment is the seller’s equity. You take over the $182,175 balance, so the rest of the $323,299 price is paid at closing. A second mortgage can cover part of it. $151,312.43 is due at closing. Uses and sources reconcile at $333,487.62 each. Not a Closing Disclosure.