Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$101,674Cash toward the purchase price.
Closing costs + prepaids$11,312Not just lender fees.
Before credits & paid funds$112,987The complete starting cash picture.
Estimated remaining funds due at closing
$112,987No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,674.18
Your down payment$101,674.18
Closing costs + prepaids$11,312.36
Total buyer cash needed$112,986.54
Remaining funds due$112,986.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$1,059.75
Initial HOA (3 months)$375.00
Prepaid interest, first (27 days)$453.61
Fees + prepaids$11,312.36
Your down payment is the seller’s equity. You take over the $218,226 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $112,986.54 is due at closing. Uses and sources reconcile at $331,212.36 each. Not a Closing Disclosure.