Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$130,617Cash toward the purchase price.
Closing costs + prepaids$11,360Not just lender fees.
Before credits & paid funds$141,977The complete starting cash picture.
Estimated remaining funds due at closing
$141,977No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,616.99
Your down payment$130,616.99
Closing costs + prepaids$11,360.10
Total buyer cash needed$141,977.09
Remaining funds due$141,977.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.90
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)$429.50
Initial HOA (3 months)$1,050.00
Prepaid interest, first (22 days)$355.70
Fees + prepaids$11,360.10
Your down payment is the seller’s equity. You take over the $199,373 balance, so the rest of the $329,990 price is paid at closing. A second mortgage can cover part of it. $141,977.09 is due at closing. Uses and sources reconcile at $341,350.10 each. Not a Closing Disclosure.