Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$114,929Cash toward the purchase price.
Closing costs + prepaids$10,286Not just lender fees.
Before credits & paid funds$125,214The complete starting cash picture.
Estimated remaining funds due at closing
$125,214No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,928.70
Your down payment$114,928.70
Closing costs + prepaids$10,285.70
Total buyer cash needed$125,214.40
Remaining funds due$125,214.40
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)$470.00
Initial HOA (3 months)$285.00
Prepaid interest, first (28 days)$406.70
Fees + prepaids$10,285.70
Your down payment is the seller’s equity. You take over the $174,971 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $125,214.40 is due at closing. Uses and sources reconcile at $300,185.70 each. Not a Closing Disclosure.