Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$112,529Cash toward the purchase price.
Closing costs + prepaids$12,308Not just lender fees.
Before credits & paid funds$124,837The complete starting cash picture.
Estimated remaining funds due at closing
$124,837No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,528.68
Your down payment$112,528.68
Closing costs + prepaids$12,308.42
Total buyer cash needed$124,837.09
Remaining funds due$124,837.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,590.00
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)$1,660.50
Initial HOA (3 months)$384.00
Prepaid interest, first (24 days)$448.92
Fees + prepaids$12,308.42
Your down payment is the seller’s equity. You take over the $246,471 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $124,837.09 is due at closing. Uses and sources reconcile at $371,308.42 each. Not a Closing Disclosure.