Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$103,367Cash toward the purchase price.
Closing costs + prepaids$9,769Not just lender fees.
Before credits & paid funds$113,137The complete starting cash picture.
Estimated remaining funds due at closing
$113,137No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,367.50
Your down payment$103,367.50
Closing costs + prepaids$9,769.26
Total buyer cash needed$113,136.76
Remaining funds due$113,136.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,298.00
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)$696.75
Prepaid interest, first (24 days)$549.51
Fees + prepaids$9,769.26
Your down payment is the seller’s equity. You take over the $126,433 balance, so the rest of the $229,800 price is paid at closing. A second mortgage can cover part of it. $113,136.76 is due at closing. Uses and sources reconcile at $239,569.26 each. Not a Closing Disclosure.