Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$114,900Cash toward the purchase price.
Closing costs + prepaids$10,728Not just lender fees.
Before credits & paid funds$125,628The complete starting cash picture.
Estimated remaining funds due at closing
$125,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,899.85
Your down payment$114,899.85
Closing costs + prepaids$10,727.68
Total buyer cash needed$125,627.52
Remaining funds due$125,627.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,447.50
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)$232.00
Initial HOA (3 months)$300.00
Prepaid interest, first (31 days)$523.18
Fees + prepaids$10,727.68
Your down payment is the seller’s equity. You take over the $229,850 balance, so the rest of the $344,750 price is paid at closing. A second mortgage can cover part of it. $125,627.52 is due at closing. Uses and sources reconcile at $355,477.68 each. Not a Closing Disclosure.