Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$181,167Cash toward the purchase price.
Closing costs + prepaids$10,670Not just lender fees.
Before credits & paid funds$191,838The complete starting cash picture.
Estimated remaining funds due at closing
$191,838No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,167.44
Your down payment$181,167.44
Closing costs + prepaids$10,670.09
Total buyer cash needed$191,837.53
Remaining funds due$191,837.53
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)$670.75
Initial HOA (3 months)$170.01
Prepaid interest, first (31 days)$405.33
Fees + prepaids$10,670.09
Your down payment is the seller’s equity. You take over the $138,733 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $191,837.53 is due at closing. Uses and sources reconcile at $330,570.09 each. Not a Closing Disclosure.