Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$125,943Cash toward the purchase price.
Closing costs + prepaids$10,720Not just lender fees.
Before credits & paid funds$136,663The complete starting cash picture.
Estimated remaining funds due at closing
$136,663No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,943.01
Your down payment$125,943.01
Closing costs + prepaids$10,719.60
Total buyer cash needed$136,662.61
Remaining funds due$136,662.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,085.00
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)$1,395.75
Prepaid interest, first (1 days)$13.85
Fees + prepaids$10,719.60
Your down payment is the seller’s equity. You take over the $182,557 balance, so the rest of the $308,500 price is paid at closing. A second mortgage can cover part of it. $136,662.61 is due at closing. Uses and sources reconcile at $319,219.60 each. Not a Closing Disclosure.