Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$107,101Cash toward the purchase price.
Closing costs + prepaids$10,909Not just lender fees.
Before credits & paid funds$118,009The complete starting cash picture.
Estimated remaining funds due at closing
$118,009No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,100.97
Your down payment$107,100.97
Closing costs + prepaids$10,908.52
Total buyer cash needed$118,009.49
Remaining funds due$118,009.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.95
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)$1,731.00
Initial HOA (3 months)$38.49
Prepaid interest, first (1 days)$14.08
Fees + prepaids$10,908.52
Your down payment is the seller’s equity. You take over the $182,894 balance, so the rest of the $289,995 price is paid at closing. A second mortgage can cover part of it. $118,009.49 is due at closing. Uses and sources reconcile at $300,903.52 each. Not a Closing Disclosure.