Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$102,493Cash toward the purchase price.
Closing costs + prepaids$21,847Not just lender fees.
Before credits & paid funds$124,340The complete starting cash picture.
Estimated remaining funds due at closing
$124,340No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,493.26
Your down payment$102,493.26
Closing costs + prepaids$21,847.02
Total buyer cash needed$124,340.28
Remaining funds due$124,340.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,400.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,850.00
Initial HOA (3 months)$210.00
Prepaid interest, first (1 days)$162.02
Fees + prepaids$21,847.02
Your down payment is the seller’s equity. You take over the $1,037,507 balance, so the rest of the $1,140,000 price is paid at closing. A second mortgage can cover part of it. $124,340.28 is due at closing. Uses and sources reconcile at $1,161,847.02 each. Not a Closing Disclosure.