Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$131,085Cash toward the purchase price.
Closing costs + prepaids$12,514Not just lender fees.
Before credits & paid funds$143,598The complete starting cash picture.
Estimated remaining funds due at closing
$143,598No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,084.52
Your down payment$131,084.52
Closing costs + prepaids$12,513.73
Total buyer cash needed$143,598.24
Remaining funds due$143,598.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.99
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)$2,440.00
Prepaid interest, first (28 days)$448.74
Fees + prepaids$12,513.73
Your down payment is the seller’s equity. You take over the $208,914 balance, so the rest of the $339,999 price is paid at closing. A second mortgage can cover part of it. $143,598.24 is due at closing. Uses and sources reconcile at $352,512.73 each. Not a Closing Disclosure.