Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$110,196Cash toward the purchase price.
Closing costs + prepaids$10,944Not just lender fees.
Before credits & paid funds$121,140The complete starting cash picture.
Estimated remaining funds due at closing
$121,140No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,195.93
Your down payment$110,195.93
Closing costs + prepaids$10,943.62
Total buyer cash needed$121,139.55
Remaining funds due$121,139.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,150.00
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)$1,121.00
Initial HOA (3 months)$56.25
Prepaid interest, first (25 days)$391.37
Fees + prepaids$10,943.62
Your down payment is the seller’s equity. You take over the $204,804 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $121,139.55 is due at closing. Uses and sources reconcile at $325,943.62 each. Not a Closing Disclosure.