Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$120,674Cash toward the purchase price.
Closing costs + prepaids$10,687Not just lender fees.
Before credits & paid funds$131,361The complete starting cash picture.
Estimated remaining funds due at closing
$131,361No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,673.57
Your down payment$120,673.57
Closing costs + prepaids$10,687.28
Total buyer cash needed$131,360.86
Remaining funds due$131,360.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,149.00
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)$310.50
Initial HOA (3 months)$531.00
Prepaid interest, first (31 days)$471.78
Fees + prepaids$10,687.28
Your down payment is the seller’s equity. You take over the $194,226 balance, so the rest of the $314,900 price is paid at closing. A second mortgage can cover part of it. $131,360.86 is due at closing. Uses and sources reconcile at $325,587.28 each. Not a Closing Disclosure.