Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$110,214Cash toward the purchase price.
Closing costs + prepaids$12,787Not just lender fees.
Before credits & paid funds$123,001The complete starting cash picture.
Estimated remaining funds due at closing
$123,001No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,214.36
Your down payment$110,214.36
Closing costs + prepaids$12,786.71
Total buyer cash needed$123,001.07
Remaining funds due$123,001.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,049.99
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)$564.75
Initial HOA (3 months)$2,532.00
Prepaid interest, first (27 days)$414.97
Fees + prepaids$12,786.71
Your down payment is the seller’s equity. You take over the $194,785 balance, so the rest of the $304,999 price is paid at closing. A second mortgage can cover part of it. $123,001.07 is due at closing. Uses and sources reconcile at $317,785.71 each. Not a Closing Disclosure.