Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$137,711Cash toward the purchase price.
Closing costs + prepaids$11,195Not just lender fees.
Before credits & paid funds$148,907The complete starting cash picture.
Estimated remaining funds due at closing
$148,907No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,711.35
Your down payment$137,711.35
Closing costs + prepaids$11,195.29
Total buyer cash needed$148,906.65
Remaining funds due$148,906.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,285.00
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)$926.00
Initial HOA (3 months)$350.01
Prepaid interest, first (29 days)$409.28
Fees + prepaids$11,195.29
Your down payment is the seller’s equity. You take over the $190,789 balance, so the rest of the $328,500 price is paid at closing. A second mortgage can cover part of it. $148,906.65 is due at closing. Uses and sources reconcile at $339,695.29 each. Not a Closing Disclosure.