Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$127,323Cash toward the purchase price.
Closing costs + prepaids$10,767Not just lender fees.
Before credits & paid funds$138,090The complete starting cash picture.
Estimated remaining funds due at closing
$138,090No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,323.07
Your down payment$127,323.07
Closing costs + prepaids$10,766.69
Total buyer cash needed$138,089.76
Remaining funds due$138,089.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,430.00
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)$572.50
Prepaid interest, first (25 days)$539.19
Fees + prepaids$10,766.69
Your down payment is the seller’s equity. You take over the $215,677 balance, so the rest of the $343,000 price is paid at closing. A second mortgage can cover part of it. $138,089.76 is due at closing. Uses and sources reconcile at $353,766.69 each. Not a Closing Disclosure.