Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$95,516Cash toward the purchase price.
Closing costs + prepaids$11,162Not just lender fees.
Before credits & paid funds$106,678The complete starting cash picture.
Estimated remaining funds due at closing
$106,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,515.61
Your down payment$95,515.61
Closing costs + prepaids$11,162.09
Total buyer cash needed$106,677.70
Remaining funds due$106,677.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,450.00
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)$346.50
Initial HOA (3 months)$1,791.00
Prepaid interest, first (22 days)$349.59
Fees + prepaids$11,162.09
Your down payment is the seller’s equity. You take over the $149,484 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $106,677.70 is due at closing. Uses and sources reconcile at $256,162.09 each. Not a Closing Disclosure.