Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$114,772Cash toward the purchase price.
Closing costs + prepaids$11,037Not just lender fees.
Before credits & paid funds$125,809The complete starting cash picture.
Estimated remaining funds due at closing
$125,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,772.06
Your down payment$114,772.06
Closing costs + prepaids$11,036.88
Total buyer cash needed$125,808.94
Remaining funds due$125,808.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,175.00
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)$793.75
Prepaid interest, first (23 days)$843.13
Fees + prepaids$11,036.88
Your down payment is the seller’s equity. You take over the $202,728 balance, so the rest of the $317,500 price is paid at closing. A second mortgage can cover part of it. $125,808.94 is due at closing. Uses and sources reconcile at $328,536.88 each. Not a Closing Disclosure.