Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$86,957Cash toward the purchase price.
Closing costs + prepaids$9,849Not just lender fees.
Before credits & paid funds$96,806The complete starting cash picture.
Estimated remaining funds due at closing
$96,806No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,956.71
Your down payment$86,956.71
Closing costs + prepaids$9,849.18
Total buyer cash needed$96,805.89
Remaining funds due$96,805.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,449.00
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)$616.75
Prepaid interest, first (29 days)$558.43
Fees + prepaids$9,849.18
Your down payment is the seller’s equity. You take over the $157,943 balance, so the rest of the $244,900 price is paid at closing. A second mortgage can cover part of it. $96,805.89 is due at closing. Uses and sources reconcile at $254,749.18 each. Not a Closing Disclosure.