Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$137,253Cash toward the purchase price.
Closing costs + prepaids$10,661Not just lender fees.
Before credits & paid funds$147,915The complete starting cash picture.
Estimated remaining funds due at closing
$147,915No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,253.28
Your down payment$137,253.28
Closing costs + prepaids$10,661.37
Total buyer cash needed$147,914.65
Remaining funds due$147,914.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.99
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)$459.25
Initial HOA (3 months)$195.00
Prepaid interest, first (22 days)$482.13
Fees + prepaids$10,661.37
Your down payment is the seller’s equity. You take over the $192,746 balance, so the rest of the $329,999 price is paid at closing. A second mortgage can cover part of it. $147,914.65 is due at closing. Uses and sources reconcile at $340,660.37 each. Not a Closing Disclosure.