Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$115,854Cash toward the purchase price.
Closing costs + prepaids$12,519Not just lender fees.
Before credits & paid funds$128,373The complete starting cash picture.
Estimated remaining funds due at closing
$128,373No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,854.04
Your down payment$115,854.04
Closing costs + prepaids$12,518.92
Total buyer cash needed$128,372.95
Remaining funds due$128,372.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,290.00
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)$1,636.25
Initial HOA (3 months)$864.00
Prepaid interest, first (25 days)$503.67
Fees + prepaids$12,518.92
Your down payment is the seller’s equity. You take over the $213,146 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $128,372.95 is due at closing. Uses and sources reconcile at $341,518.92 each. Not a Closing Disclosure.