Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$108,069Cash toward the purchase price.
Closing costs + prepaids$8,055Not just lender fees.
Before credits & paid funds$116,124The complete starting cash picture.
Estimated remaining funds due at closing
$116,124No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,068.79
Your down payment$108,068.79
Closing costs + prepaids$8,055.48
Total buyer cash needed$116,124.27
Remaining funds due$116,124.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,450.00
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)$149.25
Initial HOA (3 months)$150.00
Prepaid interest, first (18 days)$81.23
Fees + prepaids$8,055.48
Your down payment is the seller’s equity. You take over the $36,931 balance, so the rest of the $145,000 price is paid at closing. A second mortgage can cover part of it. $116,124.27 is due at closing. Uses and sources reconcile at $153,055.48 each. Not a Closing Disclosure.