Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$111,205Cash toward the purchase price.
Closing costs + prepaids$11,415Not just lender fees.
Before credits & paid funds$122,620The complete starting cash picture.
Estimated remaining funds due at closing
$122,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,205.17
Your down payment$111,205.17
Closing costs + prepaids$11,414.72
Total buyer cash needed$122,619.89
Remaining funds due$122,619.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,349.00
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)$659.00
Prepaid interest, first (31 days)$1,181.72
Fees + prepaids$11,414.72
Your down payment is the seller’s equity. You take over the $223,695 balance, so the rest of the $334,900 price is paid at closing. A second mortgage can cover part of it. $122,619.89 is due at closing. Uses and sources reconcile at $346,314.72 each. Not a Closing Disclosure.