Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$112,884Cash toward the purchase price.
Closing costs + prepaids$8,028Not just lender fees.
Before credits & paid funds$120,911The complete starting cash picture.
Estimated remaining funds due at closing
$120,911No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,883.54
Your down payment$112,883.54
Closing costs + prepaids$8,027.77
Total buyer cash needed$120,911.32
Remaining funds due$120,911.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,499.00
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 (1 days)$4.52
Fees + prepaids$8,027.77
Your down payment is the seller’s equity. You take over the $37,016 balance, so the rest of the $149,900 price is paid at closing. A second mortgage can cover part of it. $120,911.32 is due at closing. Uses and sources reconcile at $157,927.77 each. Not a Closing Disclosure.