Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$115,560Cash toward the purchase price.
Closing costs + prepaids$11,461Not just lender fees.
Before credits & paid funds$127,021The complete starting cash picture.
Estimated remaining funds due at closing
$127,021No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,559.82
Your down payment$115,559.82
Closing costs + prepaids$11,460.78
Total buyer cash needed$127,020.60
Remaining funds due$127,020.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,177.00
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)$1,109.00
Prepaid interest, first (25 days)$949.78
Fees + prepaids$11,460.78
Your down payment is the seller’s equity. You take over the $202,140 balance, so the rest of the $317,700 price is paid at closing. A second mortgage can cover part of it. $127,020.60 is due at closing. Uses and sources reconcile at $329,160.78 each. Not a Closing Disclosure.