Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$113,874Cash toward the purchase price.
Closing costs + prepaids$11,487Not just lender fees.
Before credits & paid funds$125,361The complete starting cash picture.
Estimated remaining funds due at closing
$125,361No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,874.37
Your down payment$113,874.37
Closing costs + prepaids$11,486.71
Total buyer cash needed$125,361.08
Remaining funds due$125,361.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,330.00
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)$265.25
Initial HOA (3 months)$1,110.00
Prepaid interest, first (31 days)$556.46
Fees + prepaids$11,486.71
Your down payment is the seller’s equity. You take over the $219,126 balance, so the rest of the $333,000 price is paid at closing. A second mortgage can cover part of it. $125,361.08 is due at closing. Uses and sources reconcile at $344,486.71 each. Not a Closing Disclosure.