Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$106,900Cash toward the purchase price.
Closing costs + prepaids$10,563Not just lender fees.
Before credits & paid funds$117,463The complete starting cash picture.
Estimated remaining funds due at closing
$117,463No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,899.85
Your down payment$106,899.85
Closing costs + prepaids$10,563.29
Total buyer cash needed$117,463.14
Remaining funds due$117,463.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,367.50
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)$232.00
Initial HOA (3 months)$300.00
Prepaid interest, first (26 days)$438.79
Fees + prepaids$10,563.29
Your down payment is the seller’s equity. You take over the $229,850 balance, so the rest of the $336,750 price is paid at closing. A second mortgage can cover part of it. $117,463.14 is due at closing. Uses and sources reconcile at $347,313.29 each. Not a Closing Disclosure.