Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$115,001Cash toward the purchase price.
Closing costs + prepaids$9,888Not just lender fees.
Before credits & paid funds$124,889The complete starting cash picture.
Estimated remaining funds due at closing
$124,889No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,000.96
Your down payment$115,000.96
Closing costs + prepaids$9,887.59
Total buyer cash needed$124,888.55
Remaining funds due$124,888.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,449.00
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)$568.00
Initial HOA (3 months)$327.00
Prepaid interest, first (24 days)$318.59
Fees + prepaids$9,887.59
Your down payment is the seller’s equity. You take over the $129,899 balance, so the rest of the $244,900 price is paid at closing. A second mortgage can cover part of it. $124,888.55 is due at closing. Uses and sources reconcile at $254,787.59 each. Not a Closing Disclosure.