Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$118,845Cash toward the purchase price.
Closing costs + prepaids$11,499Not just lender fees.
Before credits & paid funds$130,343The complete starting cash picture.
Estimated remaining funds due at closing
$130,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,844.50
Your down payment$118,844.50
Closing costs + prepaids$11,498.63
Total buyer cash needed$130,343.13
Remaining funds due$130,343.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.90
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)$845.25
Initial HOA (3 months)$690.00
Prepaid interest, first (31 days)$738.48
Fees + prepaids$11,498.63
Your down payment is the seller’s equity. You take over the $181,145 balance, so the rest of the $299,990 price is paid at closing. A second mortgage can cover part of it. $130,343.13 is due at closing. Uses and sources reconcile at $311,488.63 each. Not a Closing Disclosure.