Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$100,431Cash toward the purchase price.
Closing costs + prepaids$26,398Not just lender fees.
Before credits & paid funds$126,829The complete starting cash picture.
Estimated remaining funds due at closing
$126,829No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,430.92
Your down payment$100,430.92
Closing costs + prepaids$26,398.00
Total buyer cash needed$126,828.92
Remaining funds due$126,828.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,500.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,875.00
Initial HOA (3 months)$420.00
Prepaid interest, first (25 days)$4,378.00
Fees + prepaids$26,398.00
Your down payment is the seller’s equity. You take over the $1,049,569 balance, so the rest of the $1,150,000 price is paid at closing. A second mortgage can cover part of it. $126,828.92 is due at closing. Uses and sources reconcile at $1,176,398.00 each. Not a Closing Disclosure.