Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$127,391Cash toward the purchase price.
Closing costs + prepaids$10,163Not just lender fees.
Before credits & paid funds$137,554The complete starting cash picture.
Estimated remaining funds due at closing
$137,554No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,391.18
Your down payment$127,391.18
Closing costs + prepaids$10,163.26
Total buyer cash needed$137,554.44
Remaining funds due$137,554.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.90
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)$408.00
Prepaid interest, first (6 days)$130.36
Fees + prepaids$10,163.26
Your down payment is the seller’s equity. You take over the $212,599 balance, so the rest of the $339,990 price is paid at closing. A second mortgage can cover part of it. $137,554.44 is due at closing. Uses and sources reconcile at $350,153.26 each. Not a Closing Disclosure.