Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$119,048Cash toward the purchase price.
Closing costs + prepaids$10,143Not just lender fees.
Before credits & paid funds$129,191The complete starting cash picture.
Estimated remaining funds due at closing
$129,191No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,048.01
Your down payment$119,048.01
Closing costs + prepaids$10,142.92
Total buyer cash needed$129,190.93
Remaining funds due$129,190.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.00
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)$313.50
Prepaid interest, first (17 days)$305.42
Fees + prepaids$10,142.92
Your down payment is the seller’s equity. You take over the $210,852 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $129,190.93 is due at closing. Uses and sources reconcile at $340,042.92 each. Not a Closing Disclosure.