Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$129,571Cash toward the purchase price.
Closing costs + prepaids$10,538Not just lender fees.
Before credits & paid funds$140,109The complete starting cash picture.
Estimated remaining funds due at closing
$140,109No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,571.14
Your down payment$129,571.14
Closing costs + prepaids$10,538.28
Total buyer cash needed$140,109.43
Remaining funds due$140,109.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,099.99
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)$799.00
Prepaid interest, first (29 days)$414.29
Fees + prepaids$10,538.28
Your down payment is the seller’s equity. You take over the $180,428 balance, so the rest of the $309,999 price is paid at closing. A second mortgage can cover part of it. $140,109.43 is due at closing. Uses and sources reconcile at $320,537.28 each. Not a Closing Disclosure.