Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$98,219Cash toward the purchase price.
Closing costs + prepaids$8,235Not just lender fees.
Before credits & paid funds$106,454The complete starting cash picture.
Estimated remaining funds due at closing
$106,454No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,218.80
Your down payment$98,218.80
Closing costs + prepaids$8,235.14
Total buyer cash needed$106,453.94
Remaining funds due$106,453.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,490.00
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)$390.25
Prepaid interest, first (24 days)$129.89
Fees + prepaids$8,235.14
Your down payment is the seller’s equity. You take over the $50,781 balance, so the rest of the $149,000 price is paid at closing. A second mortgage can cover part of it. $106,453.94 is due at closing. Uses and sources reconcile at $157,235.14 each. Not a Closing Disclosure.