Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$95,899Cash toward the purchase price.
Closing costs + prepaids$10,122Not just lender fees.
Before credits & paid funds$106,021The complete starting cash picture.
Estimated remaining funds due at closing
$106,021No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,898.92
Your down payment$95,898.92
Closing costs + prepaids$10,122.29
Total buyer cash needed$106,021.21
Remaining funds due$106,021.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,300.00
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)$346.50
Initial HOA (3 months)$945.00
Prepaid interest, first (29 days)$305.79
Fees + prepaids$10,122.29
Your down payment is the seller’s equity. You take over the $134,101 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $106,021.21 is due at closing. Uses and sources reconcile at $240,122.29 each. Not a Closing Disclosure.