Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$112,780Cash toward the purchase price.
Closing costs + prepaids$11,752Not just lender fees.
Before credits & paid funds$124,533The complete starting cash picture.
Estimated remaining funds due at closing
$124,533No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,780.20
Your down payment$112,780.20
Closing costs + prepaids$11,752.31
Total buyer cash needed$124,532.52
Remaining funds due$124,532.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,189.99
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)$1,723.00
Initial HOA (3 months)$31.26
Prepaid interest, first (24 days)$583.06
Fees + prepaids$11,752.31
Your down payment is the seller’s equity. You take over the $206,219 balance, so the rest of the $318,999 price is paid at closing. A second mortgage can cover part of it. $124,532.52 is due at closing. Uses and sources reconcile at $330,751.31 each. Not a Closing Disclosure.