Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$109,631Cash toward the purchase price.
Closing costs + prepaids$10,527Not just lender fees.
Before credits & paid funds$120,157The complete starting cash picture.
Estimated remaining funds due at closing
$120,157No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,630.78
Your down payment$109,630.78
Closing costs + prepaids$10,526.66
Total buyer cash needed$120,157.44
Remaining funds due$120,157.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,290.00
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)$411.25
Prepaid interest, first (15 days)$600.41
Fees + prepaids$10,526.66
Your down payment is the seller’s equity. You take over the $219,369 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $120,157.44 is due at closing. Uses and sources reconcile at $339,526.66 each. Not a Closing Disclosure.