Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$96,011Cash toward the purchase price.
Closing costs + prepaids$11,242Not just lender fees.
Before credits & paid funds$107,252The complete starting cash picture.
Estimated remaining funds due at closing
$107,252No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,010.87
Your down payment$96,010.87
Closing costs + prepaids$11,241.57
Total buyer cash needed$107,252.44
Remaining funds due$107,252.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,092.00
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)$773.00
Prepaid interest, first (31 days)$1,151.57
Fees + prepaids$11,241.57
Your down payment is the seller’s equity. You take over the $213,189 balance, so the rest of the $309,200 price is paid at closing. A second mortgage can cover part of it. $107,252.44 is due at closing. Uses and sources reconcile at $320,441.57 each. Not a Closing Disclosure.