Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$105,125Cash toward the purchase price.
Closing costs + prepaids$10,935Not just lender fees.
Before credits & paid funds$116,060The complete starting cash picture.
Estimated remaining funds due at closing
$116,060No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,125.50
Your down payment$105,125.50
Closing costs + prepaids$10,934.73
Total buyer cash needed$116,060.23
Remaining funds due$116,060.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.99
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)$1,237.50
Initial HOA (3 months)$168.00
Prepaid interest, first (23 days)$404.24
Fees + prepaids$10,934.73
Your down payment is the seller’s equity. You take over the $184,874 balance, so the rest of the $289,999 price is paid at closing. A second mortgage can cover part of it. $116,060.23 is due at closing. Uses and sources reconcile at $300,933.73 each. Not a Closing Disclosure.