Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$145,111Cash toward the purchase price.
Closing costs + prepaids$11,844Not just lender fees.
Before credits & paid funds$156,954The complete starting cash picture.
Estimated remaining funds due at closing
$156,954No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,110.52
Your down payment$145,110.52
Closing costs + prepaids$11,843.74
Total buyer cash needed$156,954.26
Remaining funds due$156,954.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,397.77
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)$849.50
Initial HOA (3 months)$660.00
Prepaid interest, first (29 days)$711.47
Fees + prepaids$11,843.74
Your down payment is the seller’s equity. You take over the $194,666 balance, so the rest of the $339,777 price is paid at closing. A second mortgage can cover part of it. $156,954.26 is due at closing. Uses and sources reconcile at $351,620.74 each. Not a Closing Disclosure.