Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$130,405Cash toward the purchase price.
Closing costs + prepaids$11,505Not just lender fees.
Before credits & paid funds$141,909The complete starting cash picture.
Estimated remaining funds due at closing
$141,909No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,404.55
Your down payment$130,404.55
Closing costs + prepaids$11,504.55
Total buyer cash needed$141,909.10
Remaining funds due$141,909.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,177.00
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)$1,359.75
Initial HOA (3 months)$399.00
Prepaid interest, first (25 days)$343.80
Fees + prepaids$11,504.55
Your down payment is the seller’s equity. You take over the $187,295 balance, so the rest of the $317,700 price is paid at closing. A second mortgage can cover part of it. $141,909.10 is due at closing. Uses and sources reconcile at $329,204.55 each. Not a Closing Disclosure.