Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$115,202Cash toward the purchase price.
Closing costs + prepaids$10,181Not just lender fees.
Before credits & paid funds$125,383The complete starting cash picture.
Estimated remaining funds due at closing
$125,383No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,202.44
Your down payment$115,202.44
Closing costs + prepaids$10,180.76
Total buyer cash needed$125,383.20
Remaining funds due$125,383.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,099.00
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)$310.50
Initial HOA (3 months)$531.00
Prepaid interest, first (1 days)$15.26
Fees + prepaids$10,180.76
Your down payment is the seller’s equity. You take over the $194,698 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $125,383.20 is due at closing. Uses and sources reconcile at $320,080.76 each. Not a Closing Disclosure.