Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$101,783Cash toward the purchase price.
Closing costs + prepaids$11,172Not just lender fees.
Before credits & paid funds$112,955The complete starting cash picture.
Estimated remaining funds due at closing
$112,955No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,783.25
Your down payment$101,783.25
Closing costs + prepaids$11,172.21
Total buyer cash needed$112,955.46
Remaining funds due$112,955.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,289.00
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)$1,143.00
Prepaid interest, first (24 days)$515.21
Fees + prepaids$11,172.21
Your down payment is the seller’s equity. You take over the $227,117 balance, so the rest of the $328,900 price is paid at closing. A second mortgage can cover part of it. $112,955.46 is due at closing. Uses and sources reconcile at $340,072.21 each. Not a Closing Disclosure.