Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$128,285Cash toward the purchase price.
Closing costs + prepaids$13,089Not just lender fees.
Before credits & paid funds$141,374The complete starting cash picture.
Estimated remaining funds due at closing
$141,374No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,284.86
Your down payment$128,284.86
Closing costs + prepaids$13,088.88
Total buyer cash needed$141,373.73
Remaining funds due$141,373.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,579.99
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)$625.00
Initial HOA (3 months)$2,061.00
Prepaid interest, first (25 days)$597.89
Fees + prepaids$13,088.88
Your down payment is the seller’s equity. You take over the $229,714 balance, so the rest of the $357,999 price is paid at closing. A second mortgage can cover part of it. $141,373.73 is due at closing. Uses and sources reconcile at $371,087.88 each. Not a Closing Disclosure.