Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$137,912Cash toward the purchase price.
Closing costs + prepaids$10,178Not just lender fees.
Before credits & paid funds$148,090The complete starting cash picture.
Estimated remaining funds due at closing
$148,090No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,911.95
Your down payment$137,911.95
Closing costs + prepaids$10,178.08
Total buyer cash needed$148,090.02
Remaining funds due$148,090.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,249.90
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)$256.25
Initial HOA (3 months)$19.26
Prepaid interest, first (28 days)$427.67
Fees + prepaids$10,178.08
Your down payment is the seller’s equity. You take over the $187,078 balance, so the rest of the $324,990 price is paid at closing. A second mortgage can cover part of it. $148,090.02 is due at closing. Uses and sources reconcile at $335,168.08 each. Not a Closing Disclosure.