Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$135,234Cash toward the purchase price.
Closing costs + prepaids$10,460Not just lender fees.
Before credits & paid funds$145,694The complete starting cash picture.
Estimated remaining funds due at closing
$145,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,233.82
Your down payment$135,233.82
Closing costs + prepaids$10,459.94
Total buyer cash needed$145,693.75
Remaining funds due$145,693.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,170.00
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)$530.00
Initial HOA (3 months)$182.01
Prepaid interest, first (19 days)$352.93
Fees + prepaids$10,459.94
Your down payment is the seller’s equity. You take over the $181,766 balance, so the rest of the $317,000 price is paid at closing. A second mortgage can cover part of it. $145,693.75 is due at closing. Uses and sources reconcile at $327,459.94 each. Not a Closing Disclosure.