Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$128,200Cash toward the purchase price.
Closing costs + prepaids$11,434Not just lender fees.
Before credits & paid funds$139,634The complete starting cash picture.
Estimated remaining funds due at closing
$139,634No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,199.71
Your down payment$128,199.71
Closing costs + prepaids$11,434.45
Total buyer cash needed$139,634.16
Remaining funds due$139,634.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,100.00
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)$261.75
Initial HOA (3 months)$1,380.00
Prepaid interest, first (30 days)$467.70
Fees + prepaids$11,434.45
Your down payment is the seller’s equity. You take over the $181,800 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $139,634.16 is due at closing. Uses and sources reconcile at $321,434.45 each. Not a Closing Disclosure.