Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$138,542Cash toward the purchase price.
Closing costs + prepaids$10,638Not just lender fees.
Before credits & paid funds$149,179The complete starting cash picture.
Estimated remaining funds due at closing
$149,179No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,541.50
Your down payment$138,541.50
Closing costs + prepaids$10,637.94
Total buyer cash needed$149,179.45
Remaining funds due$149,179.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,249.90
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)$293.75
Initial HOA (3 months)$336.00
Prepaid interest, first (24 days)$533.29
Fees + prepaids$10,637.94
Your down payment is the seller’s equity. You take over the $186,448 balance, so the rest of the $324,990 price is paid at closing. A second mortgage can cover part of it. $149,179.45 is due at closing. Uses and sources reconcile at $335,627.94 each. Not a Closing Disclosure.