Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$100,812Cash toward the purchase price.
Closing costs + prepaids$10,386Not just lender fees.
Before credits & paid funds$111,198The complete starting cash picture.
Estimated remaining funds due at closing
$111,198No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,812.47
Your down payment$100,812.47
Closing costs + prepaids$10,385.86
Total buyer cash needed$111,198.33
Remaining funds due$111,198.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$711.75
Initial HOA (3 months)$780.00
Prepaid interest, first (31 days)$319.11
Fees + prepaids$10,385.86
Your down payment is the seller’s equity. You take over the $134,188 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $111,198.33 is due at closing. Uses and sources reconcile at $245,385.86 each. Not a Closing Disclosure.