Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$96,628Cash toward the purchase price.
Closing costs + prepaids$9,892Not just lender fees.
Before credits & paid funds$106,520The complete starting cash picture.
Estimated remaining funds due at closing
$106,520No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,628.44
Your down payment$96,628.44
Closing costs + prepaids$9,891.60
Total buyer cash needed$106,520.04
Remaining funds due$106,520.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,970.00
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)$226.25
Prepaid interest, first (28 days)$470.35
Fees + prepaids$9,891.60
Your down payment is the seller’s equity. You take over the $200,372 balance, so the rest of the $297,000 price is paid at closing. A second mortgage can cover part of it. $106,520.04 is due at closing. Uses and sources reconcile at $306,891.60 each. Not a Closing Disclosure.