Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$125,949Cash toward the purchase price.
Closing costs + prepaids$11,275Not just lender fees.
Before credits & paid funds$137,224The complete starting cash picture.
Estimated remaining funds due at closing
$137,224No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,949.28
Your down payment$125,949.28
Closing costs + prepaids$11,274.78
Total buyer cash needed$137,224.06
Remaining funds due$137,224.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
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)$423.75
Initial HOA (3 months)$990.00
Prepaid interest, first (15 days)$246.03
Fees + prepaids$11,274.78
Your down payment is the seller’s equity. You take over the $213,051 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $137,224.06 is due at closing. Uses and sources reconcile at $350,274.78 each. Not a Closing Disclosure.