Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$110,936Cash toward the purchase price.
Closing costs + prepaids$12,418Not just lender fees.
Before credits & paid funds$123,354The complete starting cash picture.
Estimated remaining funds due at closing
$123,354No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,936.36
Your down payment$110,936.36
Closing costs + prepaids$12,417.81
Total buyer cash needed$123,354.17
Remaining funds due$123,354.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,425.00
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)$911.50
Initial HOA (3 months)$1,095.00
Prepaid interest, first (24 days)$761.31
Fees + prepaids$12,417.81
Your down payment is the seller’s equity. You take over the $231,564 balance, so the rest of the $342,500 price is paid at closing. A second mortgage can cover part of it. $123,354.17 is due at closing. Uses and sources reconcile at $354,917.81 each. Not a Closing Disclosure.