Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$111,226Cash toward the purchase price.
Closing costs + prepaids$9,736Not just lender fees.
Before credits & paid funds$120,962The complete starting cash picture.
Estimated remaining funds due at closing
$120,962No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,226.07
Your down payment$111,226.07
Closing costs + prepaids$9,735.84
Total buyer cash needed$120,961.91
Remaining funds due$120,961.91
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)$976.75
Prepaid interest, first (31 days)$284.09
Fees + prepaids$9,735.84
Your down payment is the seller’s equity. You take over the $113,774 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $120,961.91 is due at closing. Uses and sources reconcile at $234,735.84 each. Not a Closing Disclosure.