Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$129,575Cash toward the purchase price.
Closing costs + prepaids$10,458Not just lender fees.
Before credits & paid funds$140,033The complete starting cash picture.
Estimated remaining funds due at closing
$140,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,574.74
Your down payment$129,574.74
Closing costs + prepaids$10,457.78
Total buyer cash needed$140,032.52
Remaining funds due$140,032.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,149.90
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)$702.50
Prepaid interest, first (26 days)$380.38
Fees + prepaids$10,457.78
Your down payment is the seller’s equity. You take over the $185,415 balance, so the rest of the $314,990 price is paid at closing. A second mortgage can cover part of it. $140,032.52 is due at closing. Uses and sources reconcile at $325,447.78 each. Not a Closing Disclosure.