Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$94,799Cash toward the purchase price.
Closing costs + prepaids$10,394Not just lender fees.
Before credits & paid funds$105,193The complete starting cash picture.
Estimated remaining funds due at closing
$105,193No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,798.92
Your down payment$94,798.92
Closing costs + prepaids$10,394.10
Total buyer cash needed$105,193.02
Remaining funds due$105,193.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,249.00
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)$406.25
Prepaid interest, first (13 days)$513.85
Fees + prepaids$10,394.10
Your down payment is the seller’s equity. You take over the $230,101 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $105,193.02 is due at closing. Uses and sources reconcile at $335,294.10 each. Not a Closing Disclosure.