Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$124,042Cash toward the purchase price.
Closing costs + prepaids$10,162Not just lender fees.
Before credits & paid funds$134,204The complete starting cash picture.
Estimated remaining funds due at closing
$134,204No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,041.94
Your down payment$124,041.94
Closing costs + prepaids$10,162.10
Total buyer cash needed$134,204.04
Remaining funds due$134,204.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,649.00
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)$198.00
Initial HOA (3 months)$2,022.00
Prepaid interest, first (12 days)$68.10
Fees + prepaids$10,162.10
Your down payment is the seller’s equity. You take over the $40,858 balance, so the rest of the $164,900 price is paid at closing. A second mortgage can cover part of it. $134,204.04 is due at closing. Uses and sources reconcile at $175,062.10 each. Not a Closing Disclosure.