Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$117,674Cash toward the purchase price.
Closing costs + prepaids$9,738Not just lender fees.
Before credits & paid funds$127,413The complete starting cash picture.
Estimated remaining funds due at closing
$127,413No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,674.24
Your down payment$117,674.24
Closing costs + prepaids$9,738.44
Total buyer cash needed$127,412.68
Remaining funds due$127,412.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,549.99
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)$201.25
Initial HOA (3 months)$747.00
Prepaid interest, first (1 days)$15.20
Fees + prepaids$9,738.44
Your down payment is the seller’s equity. You take over the $137,325 balance, so the rest of the $254,999 price is paid at closing. A second mortgage can cover part of it. $127,412.68 is due at closing. Uses and sources reconcile at $264,737.44 each. Not a Closing Disclosure.