Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$105,704Cash toward the purchase price.
Closing costs + prepaids$9,806Not just lender fees.
Before credits & paid funds$115,510The complete starting cash picture.
Estimated remaining funds due at closing
$115,510No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,704.39
Your down payment$105,704.39
Closing costs + prepaids$9,806.08
Total buyer cash needed$115,510.46
Remaining funds due$115,510.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,299.00
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)$159.00
Initial HOA (3 months)$900.00
Prepaid interest, first (22 days)$223.08
Fees + prepaids$9,806.08
Your down payment is the seller’s equity. You take over the $124,196 balance, so the rest of the $229,900 price is paid at closing. A second mortgage can cover part of it. $115,510.46 is due at closing. Uses and sources reconcile at $239,706.08 each. Not a Closing Disclosure.