Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$125,949Cash toward the purchase price.
Closing costs + prepaids$11,703Not just lender fees.
Before credits & paid funds$137,652The complete starting cash picture.
Estimated remaining funds due at closing
$137,652No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,949.28
Your down payment$125,949.28
Closing costs + prepaids$11,703.05
Total buyer cash needed$137,652.33
Remaining funds due$137,652.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
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)$688.00
Initial HOA (3 months)$990.00
Prepaid interest, first (25 days)$410.05
Fees + prepaids$11,703.05
Your down payment is the seller’s equity. You take over the $213,051 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $137,652.33 is due at closing. Uses and sources reconcile at $350,703.05 each. Not a Closing Disclosure.