Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$111,877Cash toward the purchase price.
Closing costs + prepaids$10,600Not just lender fees.
Before credits & paid funds$122,477The complete starting cash picture.
Estimated remaining funds due at closing
$122,477No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,876.92
Your down payment$111,876.92
Closing costs + prepaids$10,600.39
Total buyer cash needed$122,477.30
Remaining funds due$122,477.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,190.00
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)$398.75
Initial HOA (3 months)$510.00
Prepaid interest, first (13 days)$276.64
Fees + prepaids$10,600.39
Your down payment is the seller’s equity. You take over the $207,123 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $122,477.30 is due at closing. Uses and sources reconcile at $329,600.39 each. Not a Closing Disclosure.