Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$113,218Cash toward the purchase price.
Closing costs + prepaids$10,797Not just lender fees.
Before credits & paid funds$124,015The complete starting cash picture.
Estimated remaining funds due at closing
$124,015No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,218.29
Your down payment$113,218.29
Closing costs + prepaids$10,796.60
Total buyer cash needed$124,014.89
Remaining funds due$124,014.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,249.00
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)$220.00
Prepaid interest, first (28 days)$1,102.60
Fees + prepaids$10,796.60
Your down payment is the seller’s equity. You take over the $211,682 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $124,014.89 is due at closing. Uses and sources reconcile at $335,696.60 each. Not a Closing Disclosure.