Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$116,778Cash toward the purchase price.
Closing costs + prepaids$10,936Not just lender fees.
Before credits & paid funds$127,714The complete starting cash picture.
Estimated remaining funds due at closing
$127,714No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,777.67
Your down payment$116,777.67
Closing costs + prepaids$10,936.50
Total buyer cash needed$127,714.17
Remaining funds due$127,714.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,462.50
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)$419.50
Initial HOA (3 months)$276.00
Prepaid interest, first (31 days)$553.50
Fees + prepaids$10,936.50
Your down payment is the seller’s equity. You take over the $229,472 balance, so the rest of the $346,250 price is paid at closing. A second mortgage can cover part of it. $127,714.17 is due at closing. Uses and sources reconcile at $357,186.50 each. Not a Closing Disclosure.