Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$123,519Cash toward the purchase price.
Closing costs + prepaids$9,744Not just lender fees.
Before credits & paid funds$133,263The complete starting cash picture.
Estimated remaining funds due at closing
$133,263No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,518.84
Your down payment$123,518.84
Closing costs + prepaids$9,743.74
Total buyer cash needed$133,262.58
Remaining funds due$133,262.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,929.00
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)$470.75
Initial HOA (3 months)$84.00
Prepaid interest, first (2 days)$34.99
Fees + prepaids$9,743.74
Your down payment is the seller’s equity. You take over the $169,381 balance, so the rest of the $292,900 price is paid at closing. A second mortgage can cover part of it. $133,262.58 is due at closing. Uses and sources reconcile at $302,643.74 each. Not a Closing Disclosure.