Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$120,632Cash toward the purchase price.
Closing costs + prepaids$12,038Not just lender fees.
Before credits & paid funds$132,670The complete starting cash picture.
Estimated remaining funds due at closing
$132,670No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,632.22
Your down payment$120,632.22
Closing costs + prepaids$12,037.80
Total buyer cash needed$132,670.02
Remaining funds due$132,670.02
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)$1,088.00
Initial HOA (3 months)$846.00
Prepaid interest, first (27 days)$588.80
Fees + prepaids$12,037.80
Your down payment is the seller’s equity. You take over the $208,368 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $132,670.02 is due at closing. Uses and sources reconcile at $341,037.80 each. Not a Closing Disclosure.