Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$118,427Cash toward the purchase price.
Closing costs + prepaids$10,719Not just lender fees.
Before credits & paid funds$129,146The complete starting cash picture.
Estimated remaining funds due at closing
$129,146No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,427.21
Your down payment$118,427.21
Closing costs + prepaids$10,719.03
Total buyer cash needed$129,146.23
Remaining funds due$129,146.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,249.99
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)$812.50
Prepaid interest, first (25 days)$431.54
Fees + prepaids$10,719.03
Your down payment is the seller’s equity. You take over the $206,572 balance, so the rest of the $324,999 price is paid at closing. A second mortgage can cover part of it. $129,146.23 is due at closing. Uses and sources reconcile at $335,718.03 each. Not a Closing Disclosure.