Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$115,674Cash toward the purchase price.
Closing costs + prepaids$10,500Not just lender fees.
Before credits & paid funds$126,174The complete starting cash picture.
Estimated remaining funds due at closing
$126,174No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,673.57
Your down payment$115,673.57
Closing costs + prepaids$10,500.31
Total buyer cash needed$126,173.89
Remaining funds due$126,173.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,099.00
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)$310.50
Initial HOA (3 months)$531.00
Prepaid interest, first (22 days)$334.81
Fees + prepaids$10,500.31
Your down payment is the seller’s equity. You take over the $194,226 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $126,173.89 is due at closing. Uses and sources reconcile at $320,400.31 each. Not a Closing Disclosure.