Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$114,757Cash toward the purchase price.
Closing costs + prepaids$11,081Not just lender fees.
Before credits & paid funds$125,838The complete starting cash picture.
Estimated remaining funds due at closing
$125,838No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,757.12
Your down payment$114,757.12
Closing costs + prepaids$11,081.33
Total buyer cash needed$125,838.45
Remaining funds due$125,838.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,290.00
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)$425.50
Initial HOA (3 months)$1,815.00
Prepaid interest, first (30 days)$325.83
Fees + prepaids$11,081.33
Your down payment is the seller’s equity. You take over the $114,243 balance, so the rest of the $229,000 price is paid at closing. A second mortgage can cover part of it. $125,838.45 is due at closing. Uses and sources reconcile at $240,081.33 each. Not a Closing Disclosure.