Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$143,195Cash toward the purchase price.
Closing costs + prepaids$10,815Not just lender fees.
Before credits & paid funds$154,011The complete starting cash picture.
Estimated remaining funds due at closing
$154,011No 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$10,815.27
Total buyer cash needed$154,010.65
Remaining funds due$154,010.65
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 (10 days)$145.27
Fees + prepaids$10,815.27
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. $154,010.65 is due at closing. Uses and sources reconcile at $340,715.27 each. Not a Closing Disclosure.