Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$29,205Cash toward the purchase price.
Closing costs + prepaids$7,703Not just lender fees.
Before credits & paid funds$36,908The complete starting cash picture.
Estimated remaining funds due at closing
$36,908No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,204.82
Your down payment$29,204.82
Closing costs + prepaids$7,703.48
Total buyer cash needed$36,908.29
Remaining funds due$36,908.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$980.00
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)$329.75
Prepaid interest, first (24 days)$168.73
Fees + prepaids$7,703.48
Your down payment is the seller’s equity. You take over the $68,795 balance, so the rest of the $98,000 price is paid at closing. A second mortgage can cover part of it. $36,908.29 is due at closing. Uses and sources reconcile at $105,703.48 each. Not a Closing Disclosure.