Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$116,250Cash toward the purchase price.
Closing costs + prepaids$10,401Not just lender fees.
Before credits & paid funds$126,651The complete starting cash picture.
Estimated remaining funds due at closing
$126,651No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,250.37
Your down payment$116,250.37
Closing costs + prepaids$10,400.90
Total buyer cash needed$126,651.26
Remaining funds due$126,651.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,462.50
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)$419.50
Initial HOA (3 months)$276.00
Prepaid interest, first (1 days)$17.90
Fees + prepaids$10,400.90
Your down payment is the seller’s equity. You take over the $230,000 balance, so the rest of the $346,250 price is paid at closing. A second mortgage can cover part of it. $126,651.26 is due at closing. Uses and sources reconcile at $356,650.90 each. Not a Closing Disclosure.