Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$136,047Cash toward the purchase price.
Closing costs + prepaids$10,726Not just lender fees.
Before credits & paid funds$146,773The complete starting cash picture.
Estimated remaining funds due at closing
$146,773No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,046.87
Your down payment$136,046.87
Closing costs + prepaids$10,726.11
Total buyer cash needed$146,772.99
Remaining funds due$146,772.99
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)$532.00
Initial HOA (3 months)$381.00
Prepaid interest, first (25 days)$389.11
Fees + prepaids$10,726.11
Your down payment is the seller’s equity. You take over the $183,853 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $146,772.99 is due at closing. Uses and sources reconcile at $330,626.11 each. Not a Closing Disclosure.