Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$111,357Cash toward the purchase price.
Closing costs + prepaids$11,732Not just lender fees.
Before credits & paid funds$123,089The complete starting cash picture.
Estimated remaining funds due at closing
$123,089No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,356.96
Your down payment$111,356.96
Closing costs + prepaids$11,732.05
Total buyer cash needed$123,089.01
Remaining funds due$123,089.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,050.00
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)$547.75
Initial HOA (3 months)$1,275.00
Prepaid interest, first (28 days)$634.30
Fees + prepaids$11,732.05
Your down payment is the seller’s equity. You take over the $193,643 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $123,089.01 is due at closing. Uses and sources reconcile at $316,732.05 each. Not a Closing Disclosure.