Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$103,866Cash toward the purchase price.
Closing costs + prepaids$10,811Not just lender fees.
Before credits & paid funds$114,677The complete starting cash picture.
Estimated remaining funds due at closing
$114,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,866.29
Your down payment$103,866.29
Closing costs + prepaids$10,810.90
Total buyer cash needed$114,677.19
Remaining funds due$114,677.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,290.00
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)$822.50
Prepaid interest, first (25 days)$473.40
Fees + prepaids$10,810.90
Your down payment is the seller’s equity. You take over the $225,134 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $114,677.19 is due at closing. Uses and sources reconcile at $339,810.90 each. Not a Closing Disclosure.