Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$112,571Cash toward the purchase price.
Closing costs + prepaids$11,293Not just lender fees.
Before credits & paid funds$123,864The complete starting cash picture.
Estimated remaining funds due at closing
$123,864No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,570.98
Your down payment$112,570.98
Closing costs + prepaids$11,292.58
Total buyer cash needed$123,863.56
Remaining funds due$123,863.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,399.00
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)$751.00
Initial HOA (3 months)$1,185.00
Prepaid interest, first (30 days)$732.58
Fees + prepaids$11,292.58
Your down payment is the seller’s equity. You take over the $127,329 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $123,863.56 is due at closing. Uses and sources reconcile at $251,192.58 each. Not a Closing Disclosure.