Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$4,640Cash toward the purchase price.
Closing costs + prepaids$9,393Not just lender fees.
Before credits & paid funds$14,033The complete starting cash picture.
Estimated remaining funds due at closing
$14,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,640.02
Your down payment$4,640.02
Closing costs + prepaids$9,392.98
Total buyer cash needed$14,032.99
Remaining funds due$14,032.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,199.00
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)$374.25
Initial HOA (3 months)$1,257.00
Prepaid interest, first (31 days)$337.73
Fees + prepaids$9,392.98
Your down payment is the seller’s equity. You take over the $115,260 balance, so the rest of the $119,900 price is paid at closing. A second mortgage can cover part of it. $14,032.99 is due at closing. Uses and sources reconcile at $129,292.98 each. Not a Closing Disclosure.