Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$136,850Cash toward the purchase price.
Closing costs + prepaids$10,858Not just lender fees.
Before credits & paid funds$147,709The complete starting cash picture.
Estimated remaining funds due at closing
$147,709No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,850.03
Your down payment$136,850.03
Closing costs + prepaids$10,858.48
Total buyer cash needed$147,708.50
Remaining funds due$147,708.50
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)$756.00
Initial HOA (3 months)$117.00
Prepaid interest, first (27 days)$470.48
Fees + prepaids$10,858.48
Your down payment is the seller’s equity. You take over the $192,150 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $147,708.50 is due at closing. Uses and sources reconcile at $339,858.48 each. Not a Closing Disclosure.