Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$118,974Cash toward the purchase price.
Closing costs + prepaids$10,617Not just lender fees.
Before credits & paid funds$129,591The complete starting cash picture.
Estimated remaining funds due at closing
$129,591No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,973.98
Your down payment$118,973.98
Closing costs + prepaids$10,616.60
Total buyer cash needed$129,590.58
Remaining funds due$129,590.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,659.00
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)$268.00
Initial HOA (3 months)$87.99
Prepaid interest, first (19 days)$376.61
Fees + prepaids$10,616.60
Your down payment is the seller’s equity. You take over the $246,926 balance, so the rest of the $365,900 price is paid at closing. A second mortgage can cover part of it. $129,590.58 is due at closing. Uses and sources reconcile at $376,516.60 each. Not a Closing Disclosure.