Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$120,514Cash toward the purchase price.
Closing costs + prepaids$11,420Not just lender fees.
Before credits & paid funds$131,934The complete starting cash picture.
Estimated remaining funds due at closing
$131,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,513.83
Your down payment$120,513.83
Closing costs + prepaids$11,420.34
Total buyer cash needed$131,934.17
Remaining funds due$131,934.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,090.00
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)$1,242.00
Initial HOA (3 months)$69.99
Prepaid interest, first (27 days)$793.35
Fees + prepaids$11,420.34
Your down payment is the seller’s equity. You take over the $188,486 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $131,934.17 is due at closing. Uses and sources reconcile at $320,420.34 each. Not a Closing Disclosure.