Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$134,174Cash toward the purchase price.
Closing costs + prepaids$10,582Not just lender fees.
Before credits & paid funds$144,756The complete starting cash picture.
Estimated remaining funds due at closing
$144,756No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,173.96
Your down payment$134,173.96
Closing costs + prepaids$10,581.75
Total buyer cash needed$144,755.71
Remaining funds due$144,755.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,449.80
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)$342.50
Initial HOA (3 months)$150.00
Prepaid interest, first (24 days)$414.45
Fees + prepaids$10,581.75
Your down payment is the seller’s equity. You take over the $210,806 balance, so the rest of the $344,980 price is paid at closing. A second mortgage can cover part of it. $144,755.71 is due at closing. Uses and sources reconcile at $355,561.75 each. Not a Closing Disclosure.