Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$130,496Cash toward the purchase price.
Closing costs + prepaids$11,063Not just lender fees.
Before credits & paid funds$141,560The complete starting cash picture.
Estimated remaining funds due at closing
$141,560No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,496.08
Your down payment$130,496.08
Closing costs + prepaids$11,063.42
Total buyer cash needed$141,559.50
Remaining funds due$141,559.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,099.00
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)$1,255.25
Initial HOA (3 months)$135.00
Prepaid interest, first (24 days)$349.17
Fees + prepaids$11,063.42
Your down payment is the seller’s equity. You take over the $179,404 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $141,559.50 is due at closing. Uses and sources reconcile at $320,963.42 each. Not a Closing Disclosure.