Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$116,839Cash toward the purchase price.
Closing costs + prepaids$8,938Not just lender fees.
Before credits & paid funds$125,777The complete starting cash picture.
Estimated remaining funds due at closing
$125,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,838.61
Your down payment$116,838.61
Closing costs + prepaids$8,938.11
Total buyer cash needed$125,776.72
Remaining funds due$125,776.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,160.00
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)$423.25
Prepaid interest, first (20 days)$129.86
Fees + prepaids$8,938.11
Your down payment is the seller’s equity. You take over the $99,161 balance, so the rest of the $216,000 price is paid at closing. A second mortgage can cover part of it. $125,776.72 is due at closing. Uses and sources reconcile at $224,938.11 each. Not a Closing Disclosure.