Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$101,702Cash toward the purchase price.
Closing costs + prepaids$8,744Not just lender fees.
Before credits & paid funds$110,446The complete starting cash picture.
Estimated remaining funds due at closing
$110,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,702.44
Your down payment$101,702.44
Closing costs + prepaids$8,743.76
Total buyer cash needed$110,446.20
Remaining funds due$110,446.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,959.00
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)$239.25
Initial HOA (3 months)$59.49
Prepaid interest, first (26 days)$261.02
Fees + prepaids$8,743.76
Your down payment is the seller’s equity. You take over the $94,198 balance, so the rest of the $195,900 price is paid at closing. A second mortgage can cover part of it. $110,446.20 is due at closing. Uses and sources reconcile at $204,643.76 each. Not a Closing Disclosure.