Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$109,603Cash toward the purchase price.
Closing costs + prepaids$11,075Not just lender fees.
Before credits & paid funds$120,677The complete starting cash picture.
Estimated remaining funds due at closing
$120,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,602.53
Your down payment$109,602.53
Closing costs + prepaids$11,074.75
Total buyer cash needed$120,677.28
Remaining funds due$120,677.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,150.00
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)$1,186.50
Initial HOA (3 months)$28.74
Prepaid interest, first (30 days)$484.51
Fees + prepaids$11,074.75
Your down payment is the seller’s equity. You take over the $205,397 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $120,677.28 is due at closing. Uses and sources reconcile at $326,074.75 each. Not a Closing Disclosure.