Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$92,760Cash toward the purchase price.
Closing costs + prepaids$11,129Not just lender fees.
Before credits & paid funds$103,889The complete starting cash picture.
Estimated remaining funds due at closing
$103,889No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,760.02
Your down payment$92,760.02
Closing costs + prepaids$11,128.68
Total buyer cash needed$103,888.70
Remaining funds due$103,888.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,490.00
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)$399.50
Initial HOA (3 months)$1,575.00
Prepaid interest, first (27 days)$439.18
Fees + prepaids$11,128.68
Your down payment is the seller’s equity. You take over the $156,240 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $103,888.70 is due at closing. Uses and sources reconcile at $260,128.68 each. Not a Closing Disclosure.