Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$121,254Cash toward the purchase price.
Closing costs + prepaids$9,832Not just lender fees.
Before credits & paid funds$131,085The complete starting cash picture.
Estimated remaining funds due at closing
$131,085No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,253.61
Your down payment$121,253.61
Closing costs + prepaids$9,831.83
Total buyer cash needed$131,085.45
Remaining funds due$131,085.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,049.00
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)$507.25
Initial HOA (3 months)$14.76
Prepaid interest, first (2 days)$35.82
Fees + prepaids$9,831.83
Your down payment is the seller’s equity. You take over the $183,646 balance, so the rest of the $304,900 price is paid at closing. A second mortgage can cover part of it. $131,085.45 is due at closing. Uses and sources reconcile at $314,731.83 each. Not a Closing Disclosure.