Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$96,815Cash toward the purchase price.
Closing costs + prepaids$7,966Not just lender fees.
Before credits & paid funds$104,781The complete starting cash picture.
Estimated remaining funds due at closing
$104,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,814.87
Your down payment$96,814.87
Closing costs + prepaids$7,965.95
Total buyer cash needed$104,780.82
Remaining funds due$104,780.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,488.88
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)$151.75
Prepaid interest, first (24 days)$100.32
Fees + prepaids$7,965.95
Your down payment is the seller’s equity. You take over the $52,073 balance, so the rest of the $148,888 price is paid at closing. A second mortgage can cover part of it. $104,780.82 is due at closing. Uses and sources reconcile at $156,853.95 each. Not a Closing Disclosure.