Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$112,969Cash toward the purchase price.
Closing costs + prepaids$8,163Not just lender fees.
Before credits & paid funds$121,132The complete starting cash picture.
Estimated remaining funds due at closing
$121,132No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,968.79
Your down payment$112,968.79
Closing costs + prepaids$8,163.14
Total buyer cash needed$121,131.93
Remaining funds due$121,131.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,499.00
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)$149.25
Initial HOA (3 months)$150.00
Prepaid interest, first (31 days)$139.89
Fees + prepaids$8,163.14
Your down payment is the seller’s equity. You take over the $36,931 balance, so the rest of the $149,900 price is paid at closing. A second mortgage can cover part of it. $121,131.93 is due at closing. Uses and sources reconcile at $158,063.14 each. Not a Closing Disclosure.