Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$127,547Cash toward the purchase price.
Closing costs + prepaids$11,358Not just lender fees.
Before credits & paid funds$138,905The complete starting cash picture.
Estimated remaining funds due at closing
$138,905No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,547.20
Your down payment$127,547.20
Closing costs + prepaids$11,358.22
Total buyer cash needed$138,905.42
Remaining funds due$138,905.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,090.00
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)$893.75
Initial HOA (3 months)$711.00
Prepaid interest, first (28 days)$438.47
Fees + prepaids$11,358.22
Your down payment is the seller’s equity. You take over the $181,453 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $138,905.42 is due at closing. Uses and sources reconcile at $320,358.22 each. Not a Closing Disclosure.