Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$118,684Cash toward the purchase price.
Closing costs + prepaids$10,995Not just lender fees.
Before credits & paid funds$129,680The complete starting cash picture.
Estimated remaining funds due at closing
$129,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,684.18
Your down payment$118,684.18
Closing costs + prepaids$10,995.42
Total buyer cash needed$129,679.59
Remaining funds due$129,679.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,160.00
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)$1,065.50
Prepaid interest, first (24 days)$544.92
Fees + prepaids$10,995.42
Your down payment is the seller’s equity. You take over the $197,316 balance, so the rest of the $316,000 price is paid at closing. A second mortgage can cover part of it. $129,679.59 is due at closing. Uses and sources reconcile at $326,995.42 each. Not a Closing Disclosure.