Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$131,644Cash toward the purchase price.
Closing costs + prepaids$11,306Not just lender fees.
Before credits & paid funds$142,950The complete starting cash picture.
Estimated remaining funds due at closing
$142,950No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,644.34
Your down payment$131,644.34
Closing costs + prepaids$11,306.11
Total buyer cash needed$142,950.46
Remaining funds due$142,950.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,280.00
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)$1,363.75
Prepaid interest, first (30 days)$437.36
Fees + prepaids$11,306.11
Your down payment is the seller’s equity. You take over the $196,356 balance, so the rest of the $328,000 price is paid at closing. A second mortgage can cover part of it. $142,950.46 is due at closing. Uses and sources reconcile at $339,306.11 each. Not a Closing Disclosure.