Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$80,605Cash toward the purchase price.
Closing costs + prepaids$9,873Not just lender fees.
Before credits & paid funds$90,477The complete starting cash picture.
Estimated remaining funds due at closing
$90,477No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,604.87
Your down payment$80,604.87
Closing costs + prepaids$9,872.52
Total buyer cash needed$90,477.39
Remaining funds due$90,477.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,299.00
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)$60.25
Initial HOA (3 months)$2,040.00
Prepaid interest, first (31 days)$248.27
Fees + prepaids$9,872.52
Your down payment is the seller’s equity. You take over the $49,295 balance, so the rest of the $129,900 price is paid at closing. A second mortgage can cover part of it. $90,477.39 is due at closing. Uses and sources reconcile at $139,772.52 each. Not a Closing Disclosure.