Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$108,638Cash toward the purchase price.
Closing costs + prepaids$10,589Not just lender fees.
Before credits & paid funds$119,228The complete starting cash picture.
Estimated remaining funds due at closing
$119,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,638.23
Your down payment$108,638.23
Closing costs + prepaids$10,589.29
Total buyer cash needed$119,227.52
Remaining funds due$119,227.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,159.99
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)$383.00
Initial HOA (3 months)$300.00
Prepaid interest, first (31 days)$521.30
Fees + prepaids$10,589.29
Your down payment is the seller’s equity. You take over the $207,361 balance, so the rest of the $315,999 price is paid at closing. A second mortgage can cover part of it. $119,227.52 is due at closing. Uses and sources reconcile at $326,588.29 each. Not a Closing Disclosure.