Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$123,907Cash toward the purchase price.
Closing costs + prepaids$10,163Not just lender fees.
Before credits & paid funds$134,070The complete starting cash picture.
Estimated remaining funds due at closing
$134,070No 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$10,162.58
Total buyer cash needed$134,070.04
Remaining funds due$134,070.04
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)$470.75
Initial HOA (3 months)$84.00
Prepaid interest, first (26 days)$453.83
Fees + prepaids$10,162.58
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. $134,070.04 is due at closing. Uses and sources reconcile at $303,062.58 each. Not a Closing Disclosure.