Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$128,992Cash toward the purchase price.
Closing costs + prepaids$10,822Not just lender fees.
Before credits & paid funds$139,813The complete starting cash picture.
Estimated remaining funds due at closing
$139,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,991.77
Your down payment$128,991.77
Closing costs + prepaids$10,821.53
Total buyer cash needed$139,813.30
Remaining funds due$139,813.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$426.00
Initial HOA (3 months)$210.00
Prepaid interest, first (10 days)$410.53
Fees + prepaids$10,821.53
Your down payment is the seller’s equity. You take over the $226,008 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $139,813.30 is due at closing. Uses and sources reconcile at $365,821.53 each. Not a Closing Disclosure.