Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$140,323Cash toward the purchase price.
Closing costs + prepaids$10,940Not just lender fees.
Before credits & paid funds$151,263The complete starting cash picture.
Estimated remaining funds due at closing
$151,263No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,322.95
Your down payment$140,322.95
Closing costs + prepaids$10,939.68
Total buyer cash needed$151,262.63
Remaining funds due$151,262.63
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)$367.75
Initial HOA (3 months)$570.00
Prepaid interest, first (30 days)$477.03
Fees + prepaids$10,939.68
Your down payment is the seller’s equity. You take over the $189,667 balance, so the rest of the $329,990 price is paid at closing. A second mortgage can cover part of it. $151,262.63 is due at closing. Uses and sources reconcile at $340,929.68 each. Not a Closing Disclosure.