Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$113,034Cash toward the purchase price.
Closing costs + prepaids$10,289Not just lender fees.
Before credits & paid funds$123,324The complete starting cash picture.
Estimated remaining funds due at closing
$123,324No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,034.41
Your down payment$113,034.41
Closing costs + prepaids$10,289.36
Total buyer cash needed$123,323.77
Remaining funds due$123,323.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,190.00
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)$465.25
Prepaid interest, first (25 days)$409.11
Fees + prepaids$10,289.36
Your down payment is the seller’s equity. You take over the $205,966 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $123,323.77 is due at closing. Uses and sources reconcile at $329,289.36 each. Not a Closing Disclosure.