Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$128,710Cash toward the purchase price.
Closing costs + prepaids$11,862Not just lender fees.
Before credits & paid funds$140,572The complete starting cash picture.
Estimated remaining funds due at closing
$140,572No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,710.19
Your down payment$128,710.19
Closing costs + prepaids$11,862.27
Total buyer cash needed$140,572.46
Remaining funds due$140,572.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,325.00
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)$886.00
Initial HOA (3 months)$1,395.00
Prepaid interest, first (2 days)$31.27
Fees + prepaids$11,862.27
Your down payment is the seller’s equity. You take over the $203,790 balance, so the rest of the $332,500 price is paid at closing. A second mortgage can cover part of it. $140,572.46 is due at closing. Uses and sources reconcile at $344,362.27 each. Not a Closing Disclosure.