Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$127,459Cash toward the purchase price.
Closing costs + prepaids$10,058Not just lender fees.
Before credits & paid funds$137,518The complete starting cash picture.
Estimated remaining funds due at closing
$137,518No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,459.48
Your down payment$127,459.48
Closing costs + prepaids$10,058.39
Total buyer cash needed$137,517.87
Remaining funds due$137,517.87
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)$384.00
Prepaid interest, first (12 days)$249.40
Fees + prepaids$10,058.39
Your down payment is the seller’s equity. You take over the $192,540 balance, so the rest of the $319,999 price is paid at closing. A second mortgage can cover part of it. $137,517.87 is due at closing. Uses and sources reconcile at $330,057.39 each. Not a Closing Disclosure.