Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$106,948Cash toward the purchase price.
Closing costs + prepaids$10,840Not just lender fees.
Before credits & paid funds$117,788The complete starting cash picture.
Estimated remaining funds due at closing
$117,788No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,947.85
Your down payment$106,947.85
Closing costs + prepaids$10,840.44
Total buyer cash needed$117,788.29
Remaining funds due$117,788.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,095.00
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)$796.25
Prepaid interest, first (25 days)$724.19
Fees + prepaids$10,840.44
Your down payment is the seller’s equity. You take over the $202,552 balance, so the rest of the $309,500 price is paid at closing. A second mortgage can cover part of it. $117,788.29 is due at closing. Uses and sources reconcile at $320,340.44 each. Not a Closing Disclosure.