Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$102,530Cash toward the purchase price.
Closing costs + prepaids$11,436Not just lender fees.
Before credits & paid funds$113,966The complete starting cash picture.
Estimated remaining funds due at closing
$113,966No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,529.73
Your down payment$102,529.73
Closing costs + prepaids$11,436.39
Total buyer cash needed$113,966.12
Remaining funds due$113,966.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,215.00
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)$803.75
Prepaid interest, first (28 days)$1,192.64
Fees + prepaids$11,436.39
Your down payment is the seller’s equity. You take over the $218,970 balance, so the rest of the $321,500 price is paid at closing. A second mortgage can cover part of it. $113,966.12 is due at closing. Uses and sources reconcile at $332,936.39 each. Not a Closing Disclosure.