Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$120,529Cash toward the purchase price.
Closing costs + prepaids$10,088Not just lender fees.
Before credits & paid funds$130,618The complete starting cash picture.
Estimated remaining funds due at closing
$130,618No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,529.49
Your down payment$120,529.49
Closing costs + prepaids$10,088.48
Total buyer cash needed$130,617.97
Remaining funds due$130,617.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,810.00
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)$702.50
Initial HOA (3 months)$8.76
Prepaid interest, first (28 days)$342.22
Fees + prepaids$10,088.48
Your down payment is the seller’s equity. You take over the $160,471 balance, so the rest of the $281,000 price is paid at closing. A second mortgage can cover part of it. $130,617.97 is due at closing. Uses and sources reconcile at $291,088.48 each. Not a Closing Disclosure.