Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$107,643Cash toward the purchase price.
Closing costs + prepaids$10,551Not just lender fees.
Before credits & paid funds$118,193The complete starting cash picture.
Estimated remaining funds due at closing
$118,193No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,642.58
Your down payment$107,642.58
Closing costs + prepaids$10,550.71
Total buyer cash needed$118,193.29
Remaining funds due$118,193.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,089.95
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)$488.25
Initial HOA (3 months)$255.00
Prepaid interest, first (31 days)$492.51
Fees + prepaids$10,550.71
Your down payment is the seller’s equity. You take over the $201,352 balance, so the rest of the $308,995 price is paid at closing. A second mortgage can cover part of it. $118,193.29 is due at closing. Uses and sources reconcile at $319,545.71 each. Not a Closing Disclosure.