Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$105,144Cash toward the purchase price.
Closing costs + prepaids$11,333Not just lender fees.
Before credits & paid funds$116,477The complete starting cash picture.
Estimated remaining funds due at closing
$116,477No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,144.47
Your down payment$105,144.47
Closing costs + prepaids$11,332.57
Total buyer cash needed$116,477.04
Remaining funds due$116,477.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,195.00
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)$792.75
Prepaid interest, first (28 days)$1,119.82
Fees + prepaids$11,332.57
Your down payment is the seller’s equity. You take over the $214,356 balance, so the rest of the $319,500 price is paid at closing. A second mortgage can cover part of it. $116,477.04 is due at closing. Uses and sources reconcile at $330,832.57 each. Not a Closing Disclosure.