Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$146,207Cash toward the purchase price.
Closing costs + prepaids$11,503Not just lender fees.
Before credits & paid funds$157,710The complete starting cash picture.
Estimated remaining funds due at closing
$157,710No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,206.90
Your down payment$146,206.90
Closing costs + prepaids$11,503.38
Total buyer cash needed$157,710.28
Remaining funds due$157,710.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,280.00
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)$1,616.50
Initial HOA (3 months)$33.24
Prepaid interest, first (25 days)$348.64
Fees + prepaids$11,503.38
Your down payment is the seller’s equity. You take over the $181,793 balance, so the rest of the $328,000 price is paid at closing. A second mortgage can cover part of it. $157,710.28 is due at closing. Uses and sources reconcile at $339,503.38 each. Not a Closing Disclosure.