Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$107,097Cash toward the purchase price.
Closing costs + prepaids$9,883Not just lender fees.
Before credits & paid funds$116,979The complete starting cash picture.
Estimated remaining funds due at closing
$116,979No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,096.83
Your down payment$107,096.83
Closing costs + prepaids$9,882.52
Total buyer cash needed$116,979.35
Remaining funds due$116,979.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,190.00
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)$1,248.25
Prepaid interest, first (24 days)$219.27
Fees + prepaids$9,882.52
Your down payment is the seller’s equity. You take over the $111,903 balance, so the rest of the $219,000 price is paid at closing. A second mortgage can cover part of it. $116,979.35 is due at closing. Uses and sources reconcile at $228,882.52 each. Not a Closing Disclosure.