Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$92,033Cash toward the purchase price.
Closing costs + prepaids$8,178Not just lender fees.
Before credits & paid funds$100,211The complete starting cash picture.
Estimated remaining funds due at closing
$100,211No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,033.41
Your down payment$92,033.41
Closing costs + prepaids$8,177.96
Total buyer cash needed$100,211.37
Remaining funds due$100,211.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,430.00
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)$390.25
Prepaid interest, first (24 days)$132.71
Fees + prepaids$8,177.96
Your down payment is the seller’s equity. You take over the $50,967 balance, so the rest of the $143,000 price is paid at closing. A second mortgage can cover part of it. $100,211.37 is due at closing. Uses and sources reconcile at $151,177.96 each. Not a Closing Disclosure.