Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$125,930Cash toward the purchase price.
Closing costs + prepaids$11,087Not just lender fees.
Before credits & paid funds$137,017The complete starting cash picture.
Estimated remaining funds due at closing
$137,017No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,930.21
Your down payment$125,930.21
Closing costs + prepaids$11,086.90
Total buyer cash needed$137,017.11
Remaining funds due$137,017.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$1,149.75
Initial HOA (3 months)$120.00
Prepaid interest, first (27 days)$393.15
Fees + prepaids$11,086.90
Your down payment is the seller’s equity. You take over the $193,970 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $137,017.11 is due at closing. Uses and sources reconcile at $330,986.90 each. Not a Closing Disclosure.