Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$113,964Cash toward the purchase price.
Closing costs + prepaids$11,745Not just lender fees.
Before credits & paid funds$125,710The complete starting cash picture.
Estimated remaining funds due at closing
$125,710No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,964.11
Your down payment$113,964.11
Closing costs + prepaids$11,745.48
Total buyer cash needed$125,709.59
Remaining funds due$125,709.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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)$1,255.00
Initial HOA (3 months)$1,035.00
Prepaid interest, first (23 days)$331.48
Fees + prepaids$11,745.48
Your down payment is the seller’s equity. You take over the $175,936 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $125,709.59 is due at closing. Uses and sources reconcile at $301,645.48 each. Not a Closing Disclosure.