Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$114,301Cash toward the purchase price.
Closing costs + prepaids$11,533Not just lender fees.
Before credits & paid funds$125,834The complete starting cash picture.
Estimated remaining funds due at closing
$125,834No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,300.94
Your down payment$114,300.94
Closing costs + prepaids$11,532.73
Total buyer cash needed$125,833.67
Remaining funds due$125,833.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,370.00
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)$1,182.50
Initial HOA (3 months)$200.01
Prepaid interest, first (26 days)$555.22
Fees + prepaids$11,532.73
Your down payment is the seller’s equity. You take over the $222,699 balance, so the rest of the $337,000 price is paid at closing. A second mortgage can cover part of it. $125,833.67 is due at closing. Uses and sources reconcile at $348,532.73 each. Not a Closing Disclosure.