Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$104,559Cash toward the purchase price.
Closing costs + prepaids$12,173Not just lender fees.
Before credits & paid funds$116,733The complete starting cash picture.
Estimated remaining funds due at closing
$116,733No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,559.15
Your down payment$104,559.15
Closing costs + prepaids$12,173.36
Total buyer cash needed$116,732.51
Remaining funds due$116,732.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,849.00
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)$215.00
Initial HOA (3 months)$2,058.00
Prepaid interest, first (25 days)$826.36
Fees + prepaids$12,173.36
Your down payment is the seller’s equity. You take over the $180,341 balance, so the rest of the $284,900 price is paid at closing. A second mortgage can cover part of it. $116,732.51 is due at closing. Uses and sources reconcile at $297,073.36 each. Not a Closing Disclosure.