Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$103,414Cash toward the purchase price.
Closing costs + prepaids$8,547Not just lender fees.
Before credits & paid funds$111,961The complete starting cash picture.
Estimated remaining funds due at closing
$111,961No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,413.69
Your down payment$103,413.69
Closing costs + prepaids$8,547.42
Total buyer cash needed$111,961.10
Remaining funds due$111,961.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,150.00
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)$256.00
Initial HOA (3 months)$855.00
Prepaid interest, first (28 days)$61.42
Fees + prepaids$8,547.42
Your down payment is the seller’s equity. You take over the $11,586 balance, so the rest of the $115,000 price is paid at closing. A second mortgage can cover part of it. $111,961.10 is due at closing. Uses and sources reconcile at $123,547.42 each. Not a Closing Disclosure.