Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$135,354Cash toward the purchase price.
Closing costs + prepaids$10,604Not just lender fees.
Before credits & paid funds$145,958The complete starting cash picture.
Estimated remaining funds due at closing
$145,958No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,354.08
Your down payment$135,354.08
Closing costs + prepaids$10,604.34
Total buyer cash needed$145,958.42
Remaining funds due$145,958.42
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)$293.25
Initial HOA (3 months)$291.00
Prepaid interest, first (19 days)$396.09
Fees + prepaids$10,604.34
Your down payment is the seller’s equity. You take over the $204,546 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $145,958.42 is due at closing. Uses and sources reconcile at $350,504.34 each. Not a Closing Disclosure.