Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$113,493Cash toward the purchase price.
Closing costs + prepaids$11,222Not just lender fees.
Before credits & paid funds$124,715The complete starting cash picture.
Estimated remaining funds due at closing
$124,715No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,493.19
Your down payment$113,493.19
Closing costs + prepaids$11,221.87
Total buyer cash needed$124,715.06
Remaining funds due$124,715.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,590.00
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)$378.50
Initial HOA (3 months)$309.00
Prepaid interest, first (31 days)$719.37
Fees + prepaids$11,221.87
Your down payment is the seller’s equity. You take over the $245,507 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $124,715.06 is due at closing. Uses and sources reconcile at $370,221.87 each. Not a Closing Disclosure.