Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$116,839Cash toward the purchase price.
Closing costs + prepaids$9,010Not just lender fees.
Before credits & paid funds$125,848The complete starting cash picture.
Estimated remaining funds due at closing
$125,848No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,838.61
Your down payment$116,838.61
Closing costs + prepaids$9,009.53
Total buyer cash needed$125,848.14
Remaining funds due$125,848.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,160.00
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)$423.25
Prepaid interest, first (31 days)$201.28
Fees + prepaids$9,009.53
Your down payment is the seller’s equity. You take over the $99,161 balance, so the rest of the $216,000 price is paid at closing. A second mortgage can cover part of it. $125,848.14 is due at closing. Uses and sources reconcile at $225,009.53 each. Not a Closing Disclosure.