Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$129,407Cash toward the purchase price.
Closing costs + prepaids$9,486Not just lender fees.
Before credits & paid funds$138,893The complete starting cash picture.
Estimated remaining funds due at closing
$138,893No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,406.93
Your down payment$129,406.93
Closing costs + prepaids$9,486.01
Total buyer cash needed$138,892.93
Remaining funds due$138,892.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.99
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)$216.75
Initial HOA (3 months)$225.00
Prepaid interest, first (1 days)$19.27
Fees + prepaids$9,486.01
Your down payment is the seller’s equity. You take over the $150,592 balance, so the rest of the $279,999 price is paid at closing. A second mortgage can cover part of it. $138,892.93 is due at closing. Uses and sources reconcile at $289,485.01 each. Not a Closing Disclosure.