Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$128,547Cash toward the purchase price.
Closing costs + prepaids$10,796Not just lender fees.
Before credits & paid funds$139,343The complete starting cash picture.
Estimated remaining funds due at closing
$139,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,547.20
Your down payment$128,547.20
Closing costs + prepaids$10,795.69
Total buyer cash needed$139,342.89
Remaining funds due$139,342.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,338.00
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)$825.00
Prepaid interest, first (25 days)$407.69
Fees + prepaids$10,795.69
Your down payment is the seller’s equity. You take over the $205,253 balance, so the rest of the $333,800 price is paid at closing. A second mortgage can cover part of it. $139,342.89 is due at closing. Uses and sources reconcile at $344,595.69 each. Not a Closing Disclosure.