Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$115,286Cash toward the purchase price.
Closing costs + prepaids$9,901Not just lender fees.
Before credits & paid funds$125,187The complete starting cash picture.
Estimated remaining funds due at closing
$125,187No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,285.82
Your down payment$115,285.82
Closing costs + prepaids$9,901.21
Total buyer cash needed$125,187.02
Remaining funds due$125,187.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,970.52
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)$356.50
Initial HOA (3 months)$182.01
Prepaid interest, first (9 days)$167.18
Fees + prepaids$9,901.21
Your down payment is the seller’s equity. You take over the $181,766 balance, so the rest of the $297,052 price is paid at closing. A second mortgage can cover part of it. $125,187.02 is due at closing. Uses and sources reconcile at $306,953.21 each. Not a Closing Disclosure.