Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$109,603Cash toward the purchase price.
Closing costs + prepaids$10,946Not just lender fees.
Before credits & paid funds$120,548The complete starting cash picture.
Estimated remaining funds due at closing
$120,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,602.53
Your down payment$109,602.53
Closing costs + prepaids$10,945.55
Total buyer cash needed$120,548.08
Remaining funds due$120,548.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,150.00
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)$1,186.50
Initial HOA (3 months)$28.74
Prepaid interest, first (22 days)$355.31
Fees + prepaids$10,945.55
Your down payment is the seller’s equity. You take over the $205,397 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $120,548.08 is due at closing. Uses and sources reconcile at $325,945.55 each. Not a Closing Disclosure.