Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$130,662Cash toward the purchase price.
Closing costs + prepaids$11,085Not just lender fees.
Before credits & paid funds$141,746The complete starting cash picture.
Estimated remaining funds due at closing
$141,746No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,661.52
Your down payment$130,661.52
Closing costs + prepaids$11,084.85
Total buyer cash needed$141,746.37
Remaining funds due$141,746.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,271.02
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)$1,241.00
Prepaid interest, first (23 days)$347.83
Fees + prepaids$11,084.85
Your down payment is the seller’s equity. You take over the $196,440 balance, so the rest of the $327,102 price is paid at closing. A second mortgage can cover part of it. $141,746.37 is due at closing. Uses and sources reconcile at $338,186.85 each. Not a Closing Disclosure.