Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$106,996Cash toward the purchase price.
Closing costs + prepaids$10,009Not just lender fees.
Before credits & paid funds$117,005The complete starting cash picture.
Estimated remaining funds due at closing
$117,005No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,996.02
Your down payment$106,996.02
Closing costs + prepaids$10,009.05
Total buyer cash needed$117,005.08
Remaining funds due$117,005.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$1,520.25
Prepaid interest, first (1 days)$13.80
Fees + prepaids$10,009.05
Your down payment is the seller’s equity. You take over the $118,004 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $117,005.08 is due at closing. Uses and sources reconcile at $235,009.05 each. Not a Closing Disclosure.