Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$122,982Cash toward the purchase price.
Closing costs + prepaids$10,935Not just lender fees.
Before credits & paid funds$133,917The complete starting cash picture.
Estimated remaining funds due at closing
$133,917No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,982.33
Your down payment$122,982.33
Closing costs + prepaids$10,934.81
Total buyer cash needed$133,917.14
Remaining funds due$133,917.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.99
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)$110.00
Initial HOA (3 months)$1,086.00
Prepaid interest, first (19 days)$313.82
Fees + prepaids$10,934.81
Your down payment is the seller’s equity. You take over the $197,017 balance, so the rest of the $319,999 price is paid at closing. A second mortgage can cover part of it. $133,917.14 is due at closing. Uses and sources reconcile at $330,933.81 each. Not a Closing Disclosure.