Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$109,534Cash toward the purchase price.
Closing costs + prepaids$10,539Not just lender fees.
Before credits & paid funds$120,073The complete starting cash picture.
Estimated remaining funds due at closing
$120,073No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,534.09
Your down payment$109,534.09
Closing costs + prepaids$10,538.79
Total buyer cash needed$120,072.87
Remaining funds due$120,072.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,849.00
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)$712.25
Prepaid interest, first (23 days)$752.54
Fees + prepaids$10,538.79
Your down payment is the seller’s equity. You take over the $175,366 balance, so the rest of the $284,900 price is paid at closing. A second mortgage can cover part of it. $120,072.87 is due at closing. Uses and sources reconcile at $295,438.79 each. Not a Closing Disclosure.