Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$114,172Cash toward the purchase price.
Closing costs + prepaids$11,751Not just lender fees.
Before credits & paid funds$125,923The complete starting cash picture.
Estimated remaining funds due at closing
$125,923No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,171.91
Your down payment$114,171.91
Closing costs + prepaids$11,751.17
Total buyer cash needed$125,923.08
Remaining funds due$125,923.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,420.00
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)$950.75
Initial HOA (3 months)$615.00
Prepaid interest, first (26 days)$540.42
Fees + prepaids$11,751.17
Your down payment is the seller’s equity. You take over the $227,828 balance, so the rest of the $342,000 price is paid at closing. A second mortgage can cover part of it. $125,923.08 is due at closing. Uses and sources reconcile at $353,751.17 each. Not a Closing Disclosure.