Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$136,221Cash toward the purchase price.
Closing costs + prepaids$10,761Not just lender fees.
Before credits & paid funds$146,982The complete starting cash picture.
Estimated remaining funds due at closing
$146,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,220.96
Your down payment$136,220.96
Closing costs + prepaids$10,761.00
Total buyer cash needed$146,981.96
Remaining funds due$146,981.96
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)$1,116.00
Prepaid interest, first (2 days)$30.00
Fees + prepaids$10,761.00
Your down payment is the seller’s equity. You take over the $202,779 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $146,981.96 is due at closing. Uses and sources reconcile at $349,761.00 each. Not a Closing Disclosure.