Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$116,549Cash toward the purchase price.
Closing costs + prepaids$10,589Not just lender fees.
Before credits & paid funds$127,138The complete starting cash picture.
Estimated remaining funds due at closing
$127,138No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,549.36
Your down payment$116,549.36
Closing costs + prepaids$10,588.77
Total buyer cash needed$127,138.13
Remaining funds due$127,138.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,109.99
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)$305.25
Initial HOA (3 months)$525.00
Prepaid interest, first (30 days)$423.53
Fees + prepaids$10,588.77
Your down payment is the seller’s equity. You take over the $194,450 balance, so the rest of the $310,999 price is paid at closing. A second mortgage can cover part of it. $127,138.13 is due at closing. Uses and sources reconcile at $321,587.77 each. Not a Closing Disclosure.