Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$114,464Cash toward the purchase price.
Closing costs + prepaids$9,347Not just lender fees.
Before credits & paid funds$123,811The complete starting cash picture.
Estimated remaining funds due at closing
$123,811No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,464.29
Your down payment$114,464.29
Closing costs + prepaids$9,346.77
Total buyer cash needed$123,811.06
Remaining funds due$123,811.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,649.00
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)$132.50
Initial HOA (3 months)$1,125.00
Prepaid interest, first (27 days)$215.27
Fees + prepaids$9,346.77
Your down payment is the seller’s equity. You take over the $50,436 balance, so the rest of the $164,900 price is paid at closing. A second mortgage can cover part of it. $123,811.06 is due at closing. Uses and sources reconcile at $174,246.77 each. Not a Closing Disclosure.