Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$98,567Cash toward the purchase price.
Closing costs + prepaids$9,480Not just lender fees.
Before credits & paid funds$108,047The complete starting cash picture.
Estimated remaining funds due at closing
$108,047No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,566.75
Your down payment$98,566.75
Closing costs + prepaids$9,480.20
Total buyer cash needed$108,046.94
Remaining funds due$108,046.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,550.00
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)$343.00
Prepaid interest, first (27 days)$362.20
Fees + prepaids$9,480.20
Your down payment is the seller’s equity. You take over the $156,433 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $108,046.94 is due at closing. Uses and sources reconcile at $264,480.20 each. Not a Closing Disclosure.