Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$105,620Cash toward the purchase price.
Closing costs + prepaids$12,006Not just lender fees.
Before credits & paid funds$117,626The complete starting cash picture.
Estimated remaining funds due at closing
$117,626No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,620.33
Your down payment$105,620.33
Closing costs + prepaids$12,005.53
Total buyer cash needed$117,625.86
Remaining funds due$117,625.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,290.00
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)$926.50
Initial HOA (3 months)$2,538.00
Prepaid interest, first (2 days)$26.03
Fees + prepaids$12,005.53
Your down payment is the seller’s equity. You take over the $123,380 balance, so the rest of the $229,000 price is paid at closing. A second mortgage can cover part of it. $117,625.86 is due at closing. Uses and sources reconcile at $241,005.53 each. Not a Closing Disclosure.