Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$114,760Cash toward the purchase price.
Closing costs + prepaids$11,636Not just lender fees.
Before credits & paid funds$126,396The complete starting cash picture.
Estimated remaining funds due at closing
$126,396No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,759.94
Your down payment$114,759.94
Closing costs + prepaids$11,635.97
Total buyer cash needed$126,395.90
Remaining funds due$126,395.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,149.00
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)$1,645.50
Initial HOA (3 months)$63.75
Prepaid interest, first (28 days)$552.72
Fees + prepaids$11,635.97
Your down payment is the seller’s equity. You take over the $200,140 balance, so the rest of the $314,900 price is paid at closing. A second mortgage can cover part of it. $126,395.90 is due at closing. Uses and sources reconcile at $326,535.97 each. Not a Closing Disclosure.