Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$111,895Cash toward the purchase price.
Closing costs + prepaids$9,332Not just lender fees.
Before credits & paid funds$121,227The complete starting cash picture.
Estimated remaining funds due at closing
$121,227No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,894.97
Your down payment$111,894.97
Closing costs + prepaids$9,331.71
Total buyer cash needed$121,226.68
Remaining funds due$121,226.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,290.00
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)$496.00
Prepaid interest, first (28 days)$320.71
Fees + prepaids$9,331.71
Your down payment is the seller’s equity. You take over the $117,105 balance, so the rest of the $229,000 price is paid at closing. A second mortgage can cover part of it. $121,226.68 is due at closing. Uses and sources reconcile at $238,331.71 each. Not a Closing Disclosure.