Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$136,472Cash toward the purchase price.
Closing costs + prepaids$11,565Not just lender fees.
Before credits & paid funds$148,037The complete starting cash picture.
Estimated remaining funds due at closing
$148,037No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,472.25
Your down payment$136,472.25
Closing costs + prepaids$11,565.13
Total buyer cash needed$148,037.38
Remaining funds due$148,037.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.00
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)$1,268.25
Initial HOA (3 months)$225.00
Prepaid interest, first (28 days)$447.88
Fees + prepaids$11,565.13
Your down payment is the seller’s equity. You take over the $203,428 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $148,037.38 is due at closing. Uses and sources reconcile at $351,465.13 each. Not a Closing Disclosure.