Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$130,617Cash toward the purchase price.
Closing costs + prepaids$11,489Not just lender fees.
Before credits & paid funds$142,106The complete starting cash picture.
Estimated remaining funds due at closing
$142,106No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,616.99
Your down payment$130,616.99
Closing costs + prepaids$11,489.45
Total buyer cash needed$142,106.44
Remaining funds due$142,106.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.90
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)$429.50
Initial HOA (3 months)$1,050.00
Prepaid interest, first (30 days)$485.05
Fees + prepaids$11,489.45
Your down payment is the seller’s equity. You take over the $199,373 balance, so the rest of the $329,990 price is paid at closing. A second mortgage can cover part of it. $142,106.44 is due at closing. Uses and sources reconcile at $341,479.45 each. Not a Closing Disclosure.