Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$104,612Cash toward the purchase price.
Closing costs + prepaids$8,908Not just lender fees.
Before credits & paid funds$113,521The complete starting cash picture.
Estimated remaining funds due at closing
$113,521No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,612.33
Your down payment$104,612.33
Closing costs + prepaids$8,908.17
Total buyer cash needed$113,520.50
Remaining funds due$113,520.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$281.25
Prepaid interest, first (14 days)$151.92
Fees + prepaids$8,908.17
Your down payment is the seller’s equity. You take over the $120,388 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $113,520.50 is due at closing. Uses and sources reconcile at $233,908.17 each. Not a Closing Disclosure.