Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$123,907Cash toward the purchase price.
Closing costs + prepaids$10,040Not just lender fees.
Before credits & paid funds$133,948The complete starting cash picture.
Estimated remaining funds due at closing
$133,948No 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$10,040.39
Total buyer cash needed$133,947.85
Remaining funds due$133,947.85
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 (19 days)$331.64
Fees + prepaids$10,040.39
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. $133,947.85 is due at closing. Uses and sources reconcile at $302,940.39 each. Not a Closing Disclosure.