Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$1,505Cash toward the purchase price.
Closing costs + prepaids$8,807Not just lender fees.
Before credits & paid funds$10,312The complete starting cash picture.
Estimated remaining funds due at closing
$10,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,504.61
Your down payment$1,504.61
Closing costs + prepaids$8,807.18
Total buyer cash needed$10,311.80
Remaining funds due$10,311.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,299.00
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)$506.50
Initial HOA (3 months)$195.00
Prepaid interest, first (24 days)$581.68
Fees + prepaids$8,807.18
Your down payment is the seller’s equity. You take over the $128,395 balance, so the rest of the $129,900 price is paid at closing. A second mortgage can cover part of it. $10,311.80 is due at closing. Uses and sources reconcile at $138,707.18 each. Not a Closing Disclosure.