Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$117,316Cash toward the purchase price.
Closing costs + prepaids$9,303Not just lender fees.
Before credits & paid funds$126,619The complete starting cash picture.
Estimated remaining funds due at closing
$126,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,316.13
Your down payment$117,316.13
Closing costs + prepaids$9,302.84
Total buyer cash needed$126,618.97
Remaining funds due$126,618.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,290.00
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)$366.50
Prepaid interest, first (30 days)$421.34
Fees + prepaids$9,302.84
Your down payment is the seller’s equity. You take over the $111,684 balance, so the rest of the $229,000 price is paid at closing. A second mortgage can cover part of it. $126,618.97 is due at closing. Uses and sources reconcile at $238,302.84 each. Not a Closing Disclosure.