Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$133,165Cash toward the purchase price.
Closing costs + prepaids$11,047Not just lender fees.
Before credits & paid funds$144,213The complete starting cash picture.
Estimated remaining funds due at closing
$144,213No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,165.35
Your down payment$133,165.35
Closing costs + prepaids$11,047.27
Total buyer cash needed$144,212.62
Remaining funds due$144,212.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,079.00
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)$1,025.50
Initial HOA (3 months)$105.00
Prepaid interest, first (25 days)$612.77
Fees + prepaids$11,047.27
Your down payment is the seller’s equity. You take over the $174,735 balance, so the rest of the $307,900 price is paid at closing. A second mortgage can cover part of it. $144,212.62 is due at closing. Uses and sources reconcile at $318,947.27 each. Not a Closing Disclosure.