Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$105,984Cash toward the purchase price.
Closing costs + prepaids$12,278Not just lender fees.
Before credits & paid funds$118,262The complete starting cash picture.
Estimated remaining funds due at closing
$118,262No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,983.79
Your down payment$105,983.79
Closing costs + prepaids$12,277.94
Total buyer cash needed$118,261.73
Remaining funds due$118,261.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,290.00
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)$926.50
Initial HOA (3 months)$2,538.00
Prepaid interest, first (23 days)$298.44
Fees + prepaids$12,277.94
Your down payment is the seller’s equity. You take over the $123,016 balance, so the rest of the $229,000 price is paid at closing. A second mortgage can cover part of it. $118,261.73 is due at closing. Uses and sources reconcile at $241,277.94 each. Not a Closing Disclosure.