Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$128,131Cash toward the purchase price.
Closing costs + prepaids$10,592Not just lender fees.
Before credits & paid funds$138,723The complete starting cash picture.
Estimated remaining funds due at closing
$138,723No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,130.93
Your down payment$128,130.93
Closing costs + prepaids$10,591.70
Total buyer cash needed$138,722.64
Remaining funds due$138,722.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.00
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)$321.75
Initial HOA (3 months)$210.00
Prepaid interest, first (26 days)$435.95
Fees + prepaids$10,591.70
Your down payment is the seller’s equity. You take over the $211,769 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $138,722.64 is due at closing. Uses and sources reconcile at $350,491.70 each. Not a Closing Disclosure.