Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$113,493Cash toward the purchase price.
Closing costs + prepaids$11,106Not just lender fees.
Before credits & paid funds$124,599The complete starting cash picture.
Estimated remaining funds due at closing
$124,599No 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$11,105.84
Total buyer cash needed$124,599.03
Remaining funds due$124,599.03
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 (26 days)$603.34
Fees + prepaids$11,105.84
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. $124,599.03 is due at closing. Uses and sources reconcile at $370,105.84 each. Not a Closing Disclosure.