Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$101,279Cash toward the purchase price.
Closing costs + prepaids$9,200Not just lender fees.
Before credits & paid funds$110,479The complete starting cash picture.
Estimated remaining funds due at closing
$110,479No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,278.74
Your down payment$101,278.74
Closing costs + prepaids$9,200.27
Total buyer cash needed$110,479.01
Remaining funds due$110,479.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,300.00
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)$382.00
Prepaid interest, first (28 days)$293.27
Fees + prepaids$9,200.27
Your down payment is the seller’s equity. You take over the $128,721 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $110,479.01 is due at closing. Uses and sources reconcile at $239,200.27 each. Not a Closing Disclosure.