Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$123,765Cash toward the purchase price.
Closing costs + prepaids$11,953Not just lender fees.
Before credits & paid funds$135,718The complete starting cash picture.
Estimated remaining funds due at closing
$135,718No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,764.60
Your down payment$123,764.60
Closing costs + prepaids$11,952.90
Total buyer cash needed$135,717.50
Remaining funds due$135,717.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,290.00
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)$1,207.75
Initial HOA (3 months)$828.00
Prepaid interest, first (24 days)$402.15
Fees + prepaids$11,952.90
Your down payment is the seller’s equity. You take over the $205,235 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $135,717.50 is due at closing. Uses and sources reconcile at $340,952.90 each. Not a Closing Disclosure.