Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$136,893Cash toward the purchase price.
Closing costs + prepaids$11,626Not just lender fees.
Before credits & paid funds$148,518The complete starting cash picture.
Estimated remaining funds due at closing
$148,518No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,892.80
Your down payment$136,892.80
Closing costs + prepaids$11,625.64
Total buyer cash needed$148,518.45
Remaining funds due$148,518.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,180.00
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)$1,049.25
Initial HOA (3 months)$540.00
Prepaid interest, first (25 days)$631.39
Fees + prepaids$11,625.64
Your down payment is the seller’s equity. You take over the $181,107 balance, so the rest of the $318,000 price is paid at closing. A second mortgage can cover part of it. $148,518.45 is due at closing. Uses and sources reconcile at $329,625.64 each. Not a Closing Disclosure.