Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$116,132Cash toward the purchase price.
Closing costs + prepaids$10,971Not just lender fees.
Before credits & paid funds$127,103The complete starting cash picture.
Estimated remaining funds due at closing
$127,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,131.81
Your down payment$116,131.81
Closing costs + prepaids$10,971.25
Total buyer cash needed$127,103.06
Remaining funds due$127,103.06
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)$467.50
Initial HOA (3 months)$426.00
Prepaid interest, first (31 days)$553.75
Fees + prepaids$10,971.25
Your down payment is the seller’s equity. You take over the $213,768 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $127,103.06 is due at closing. Uses and sources reconcile at $340,871.25 each. Not a Closing Disclosure.