Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$136,294Cash toward the purchase price.
Closing costs + prepaids$11,430Not just lender fees.
Before credits & paid funds$147,724The complete starting cash picture.
Estimated remaining funds due at closing
$147,724No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,294.03
Your down payment$136,294.03
Closing costs + prepaids$11,430.13
Total buyer cash needed$147,724.16
Remaining funds due$147,724.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,366.33
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)$760.25
Initial HOA (3 months)$795.00
Prepaid interest, first (18 days)$283.55
Fees + prepaids$11,430.13
Your down payment is the seller’s equity. You take over the $200,339 balance, so the rest of the $336,633 price is paid at closing. A second mortgage can cover part of it. $147,724.16 is due at closing. Uses and sources reconcile at $348,063.13 each. Not a Closing Disclosure.