Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$10,244Cash toward the purchase price.
Closing costs + prepaids$7,746Not just lender fees.
Before credits & paid funds$17,990The complete starting cash picture.
Estimated remaining funds due at closing
$17,990No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,244.35
Your down payment$10,244.35
Closing costs + prepaids$7,745.96
Total buyer cash needed$17,990.32
Remaining funds due$17,990.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$979.00
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)$244.75
Prepaid interest, first (28 days)$297.21
Fees + prepaids$7,745.96
Your down payment is the seller’s equity. You take over the $87,656 balance, so the rest of the $97,900 price is paid at closing. A second mortgage can cover part of it. $17,990.32 is due at closing. Uses and sources reconcile at $105,645.96 each. Not a Closing Disclosure.