Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$105,719Cash toward the purchase price.
Closing costs + prepaids$10,507Not just lender fees.
Before credits & paid funds$116,226The complete starting cash picture.
Estimated remaining funds due at closing
$116,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,718.55
Your down payment$105,718.55
Closing costs + prepaids$10,507.32
Total buyer cash needed$116,225.87
Remaining funds due$116,225.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,184.74
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)$382.25
Initial HOA (3 months)$495.00
Prepaid interest, first (12 days)$220.33
Fees + prepaids$10,507.32
Your down payment is the seller’s equity. You take over the $212,755 balance, so the rest of the $318,474 price is paid at closing. A second mortgage can cover part of it. $116,225.87 is due at closing. Uses and sources reconcile at $328,981.32 each. Not a Closing Disclosure.