Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$130,069Cash toward the purchase price.
Closing costs + prepaids$10,117Not just lender fees.
Before credits & paid funds$140,186The complete starting cash picture.
Estimated remaining funds due at closing
$140,186No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,069.37
Your down payment$130,069.37
Closing costs + prepaids$10,116.85
Total buyer cash needed$140,186.21
Remaining funds due$140,186.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,880.00
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)$205.25
Initial HOA (3 months)$795.00
Prepaid interest, first (1 days)$11.60
Fees + prepaids$10,116.85
Your down payment is the seller’s equity. You take over the $157,931 balance, so the rest of the $288,000 price is paid at closing. A second mortgage can cover part of it. $140,186.21 is due at closing. Uses and sources reconcile at $298,116.85 each. Not a Closing Disclosure.