Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$131,844Cash toward the purchase price.
Closing costs + prepaids$10,830Not just lender fees.
Before credits & paid funds$142,674The complete starting cash picture.
Estimated remaining funds due at closing
$142,674No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,843.67
Your down payment$131,843.67
Closing costs + prepaids$10,830.39
Total buyer cash needed$142,674.06
Remaining funds due$142,674.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
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)$793.75
Initial HOA (3 months)$84.51
Prepaid interest, first (22 days)$337.13
Fees + prepaids$10,830.39
Your down payment is the seller’s equity. You take over the $207,156 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $142,674.06 is due at closing. Uses and sources reconcile at $349,830.39 each. Not a Closing Disclosure.