Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$181,167Cash toward the purchase price.
Closing costs + prepaids$10,565Not just lender fees.
Before credits & paid funds$191,733The complete starting cash picture.
Estimated remaining funds due at closing
$191,733No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,167.44
Your down payment$181,167.44
Closing costs + prepaids$10,565.49
Total buyer cash needed$191,732.93
Remaining funds due$191,732.93
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)$670.75
Initial HOA (3 months)$170.01
Prepaid interest, first (23 days)$300.73
Fees + prepaids$10,565.49
Your down payment is the seller’s equity. You take over the $138,733 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $191,732.93 is due at closing. Uses and sources reconcile at $330,465.49 each. Not a Closing Disclosure.