Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$143,195Cash toward the purchase price.
Closing costs + prepaids$10,801Not just lender fees.
Before credits & paid funds$153,996The complete starting cash picture.
Estimated remaining funds due at closing
$153,996No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,195.37
Your down payment$143,195.37
Closing costs + prepaids$10,800.74
Total buyer cash needed$153,996.12
Remaining funds due$153,996.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.00
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)$396.00
Initial HOA (3 months)$750.00
Prepaid interest, first (9 days)$130.74
Fees + prepaids$10,800.74
Your down payment is the seller’s equity. You take over the $186,705 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $153,996.12 is due at closing. Uses and sources reconcile at $340,700.74 each. Not a Closing Disclosure.