Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$129,301Cash toward the purchase price.
Closing costs + prepaids$10,936Not just lender fees.
Before credits & paid funds$140,238The complete starting cash picture.
Estimated remaining funds due at closing
$140,238No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,301.44
Your down payment$129,301.44
Closing costs + prepaids$10,936.40
Total buyer cash needed$140,237.85
Remaining funds due$140,237.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$1,457.75
Initial HOA (3 months)$39.51
Prepaid interest, first (1 days)$15.14
Fees + prepaids$10,936.40
Your down payment is the seller’s equity. You take over the $190,599 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $140,237.85 is due at closing. Uses and sources reconcile at $330,836.40 each. Not a Closing Disclosure.