Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$110,737Cash toward the purchase price.
Closing costs + prepaids$10,465Not just lender fees.
Before credits & paid funds$121,203The complete starting cash picture.
Estimated remaining funds due at closing
$121,203No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,737.18
Your down payment$110,737.18
Closing costs + prepaids$10,465.36
Total buyer cash needed$121,202.55
Remaining funds due$121,202.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,940.00
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)$540.50
Prepaid interest, first (23 days)$759.86
Fees + prepaids$10,465.36
Your down payment is the seller’s equity. You take over the $183,263 balance, so the rest of the $294,000 price is paid at closing. A second mortgage can cover part of it. $121,202.55 is due at closing. Uses and sources reconcile at $304,465.36 each. Not a Closing Disclosure.