Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$128,131Cash toward the purchase price.
Closing costs + prepaids$10,474Not just lender fees.
Before credits & paid funds$138,605The complete starting cash picture.
Estimated remaining funds due at closing
$138,605No 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$10,474.33
Total buyer cash needed$138,605.26
Remaining funds due$138,605.26
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 (19 days)$318.58
Fees + prepaids$10,474.33
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. $138,605.26 is due at closing. Uses and sources reconcile at $350,374.33 each. Not a Closing Disclosure.