Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$110,511Cash toward the purchase price.
Closing costs + prepaids$10,226Not just lender fees.
Before credits & paid funds$120,736The complete starting cash picture.
Estimated remaining funds due at closing
$120,736No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,510.74
Your down payment$110,510.74
Closing costs + prepaids$10,225.55
Total buyer cash needed$120,736.29
Remaining funds due$120,736.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,159.00
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)$383.00
Prepaid interest, first (29 days)$458.55
Fees + prepaids$10,225.55
Your down payment is the seller’s equity. You take over the $205,389 balance, so the rest of the $315,900 price is paid at closing. A second mortgage can cover part of it. $120,736.29 is due at closing. Uses and sources reconcile at $326,125.55 each. Not a Closing Disclosure.