Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$111,196Cash toward the purchase price.
Closing costs + prepaids$9,114Not just lender fees.
Before credits & paid funds$120,309The complete starting cash picture.
Estimated remaining funds due at closing
$120,309No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,195.57
Your down payment$111,195.57
Closing costs + prepaids$9,113.56
Total buyer cash needed$120,309.13
Remaining funds due$120,309.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$387.25
Prepaid interest, first (26 days)$251.31
Fees + prepaids$9,113.56
Your down payment is the seller’s equity. You take over the $113,804 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $120,309.13 is due at closing. Uses and sources reconcile at $234,113.56 each. Not a Closing Disclosure.