Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$122,533Cash toward the purchase price.
Closing costs + prepaids$10,409Not just lender fees.
Before credits & paid funds$132,943The complete starting cash picture.
Estimated remaining funds due at closing
$132,943No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,533.40
Your down payment$122,533.40
Closing costs + prepaids$10,409.45
Total buyer cash needed$132,942.85
Remaining funds due$132,942.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,190.00
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)$358.00
Initial HOA (3 months)$225.00
Prepaid interest, first (26 days)$411.45
Fees + prepaids$10,409.45
Your down payment is the seller’s equity. You take over the $196,467 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $132,942.85 is due at closing. Uses and sources reconcile at $329,409.45 each. Not a Closing Disclosure.