Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$123,907Cash toward the purchase price.
Closing costs + prepaids$9,904Not just lender fees.
Before credits & paid funds$133,811The complete starting cash picture.
Estimated remaining funds due at closing
$133,811No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,907.46
Your down payment$123,907.46
Closing costs + prepaids$9,903.69
Total buyer cash needed$133,811.15
Remaining funds due$133,811.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,929.00
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)$351.50
Initial HOA (3 months)$84.00
Prepaid interest, first (18 days)$314.19
Fees + prepaids$9,903.69
Your down payment is the seller’s equity. You take over the $168,993 balance, so the rest of the $292,900 price is paid at closing. A second mortgage can cover part of it. $133,811.15 is due at closing. Uses and sources reconcile at $302,803.69 each. Not a Closing Disclosure.