Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$108,860Cash toward the purchase price.
Closing costs + prepaids$10,736Not just lender fees.
Before credits & paid funds$119,595The complete starting cash picture.
Estimated remaining funds due at closing
$119,595No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,859.55
Your down payment$108,859.55
Closing costs + prepaids$10,735.68
Total buyer cash needed$119,595.24
Remaining funds due$119,595.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,179.00
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)$438.25
Prepaid interest, first (24 days)$893.43
Fees + prepaids$10,735.68
Your down payment is the seller’s equity. You take over the $209,040 balance, so the rest of the $317,900 price is paid at closing. A second mortgage can cover part of it. $119,595.24 is due at closing. Uses and sources reconcile at $328,635.68 each. Not a Closing Disclosure.