Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$101,617Cash toward the purchase price.
Closing costs + prepaids$11,151Not just lender fees.
Before credits & paid funds$112,768The complete starting cash picture.
Estimated remaining funds due at closing
$112,768No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,617.12
Your down payment$101,617.12
Closing costs + prepaids$11,150.66
Total buyer cash needed$112,767.78
Remaining funds due$112,767.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,050.00
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)$327.00
Initial HOA (3 months)$1,065.00
Prepaid interest, first (31 days)$483.66
Fees + prepaids$11,150.66
Your down payment is the seller’s equity. You take over the $203,383 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $112,767.78 is due at closing. Uses and sources reconcile at $316,150.66 each. Not a Closing Disclosure.