Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$132,155Cash toward the purchase price.
Closing costs + prepaids$11,346Not just lender fees.
Before credits & paid funds$143,502The complete starting cash picture.
Estimated remaining funds due at closing
$143,502No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,155.41
Your down payment$132,155.41
Closing costs + prepaids$11,346.36
Total buyer cash needed$143,501.76
Remaining funds due$143,501.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,470.00
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)$660.00
Initial HOA (3 months)$255.00
Prepaid interest, first (18 days)$736.36
Fees + prepaids$11,346.36
Your down payment is the seller’s equity. You take over the $214,845 balance, so the rest of the $347,000 price is paid at closing. A second mortgage can cover part of it. $143,501.76 is due at closing. Uses and sources reconcile at $358,346.36 each. Not a Closing Disclosure.