Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$113,697Cash toward the purchase price.
Closing costs + prepaids$9,010Not just lender fees.
Before credits & paid funds$122,706The complete starting cash picture.
Estimated remaining funds due at closing
$122,706No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,696.59
Your down payment$113,696.59
Closing costs + prepaids$9,009.79
Total buyer cash needed$122,706.38
Remaining funds due$122,706.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,345.00
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)$166.25
Initial HOA (3 months)$1,170.00
Prepaid interest, first (31 days)$103.54
Fees + prepaids$9,009.79
Your down payment is the seller’s equity. You take over the $20,803 balance, so the rest of the $134,500 price is paid at closing. A second mortgage can cover part of it. $122,706.38 is due at closing. Uses and sources reconcile at $143,509.79 each. Not a Closing Disclosure.