Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$124,249Cash toward the purchase price.
Closing costs + prepaids$11,514Not just lender fees.
Before credits & paid funds$135,763The complete starting cash picture.
Estimated remaining funds due at closing
$135,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,248.81
Your down payment$124,248.81
Closing costs + prepaids$11,514.38
Total buyer cash needed$135,763.18
Remaining funds due$135,763.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,549.00
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)$573.25
Initial HOA (3 months)$585.00
Prepaid interest, first (28 days)$582.13
Fees + prepaids$11,514.38
Your down payment is the seller’s equity. You take over the $230,651 balance, so the rest of the $354,900 price is paid at closing. A second mortgage can cover part of it. $135,763.18 is due at closing. Uses and sources reconcile at $366,414.38 each. Not a Closing Disclosure.