Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$103,831Cash toward the purchase price.
Closing costs + prepaids$12,563Not just lender fees.
Before credits & paid funds$116,394The complete starting cash picture.
Estimated remaining funds due at closing
$116,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,830.53
Your down payment$103,830.53
Closing costs + prepaids$12,563.46
Total buyer cash needed$116,393.99
Remaining funds due$116,393.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,090.00
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)$1,177.25
Initial HOA (3 months)$1,362.00
Prepaid interest, first (31 days)$709.21
Fees + prepaids$12,563.46
Your down payment is the seller’s equity. You take over the $205,169 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $116,393.99 is due at closing. Uses and sources reconcile at $321,563.46 each. Not a Closing Disclosure.