Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$107,153Cash toward the purchase price.
Closing costs + prepaids$10,074Not just lender fees.
Before credits & paid funds$117,227The complete starting cash picture.
Estimated remaining funds due at closing
$117,227No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,153.11
Your down payment$107,153.11
Closing costs + prepaids$10,074.13
Total buyer cash needed$117,227.23
Remaining funds due$117,227.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,089.95
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)$488.25
Initial HOA (3 months)$255.00
Prepaid interest, first (1 days)$15.93
Fees + prepaids$10,074.13
Your down payment is the seller’s equity. You take over the $201,842 balance, so the rest of the $308,995 price is paid at closing. A second mortgage can cover part of it. $117,227.23 is due at closing. Uses and sources reconcile at $319,069.13 each. Not a Closing Disclosure.