Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$102,943Cash toward the purchase price.
Closing costs + prepaids$8,248Not just lender fees.
Before credits & paid funds$111,191The complete starting cash picture.
Estimated remaining funds due at closing
$111,191No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,943.32
Your down payment$102,943.32
Closing costs + prepaids$8,247.78
Total buyer cash needed$111,191.10
Remaining funds due$111,191.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,500.00
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)$376.00
Prepaid interest, first (23 days)$146.78
Fees + prepaids$8,247.78
Your down payment is the seller’s equity. You take over the $47,057 balance, so the rest of the $150,000 price is paid at closing. A second mortgage can cover part of it. $111,191.10 is due at closing. Uses and sources reconcile at $158,247.78 each. Not a Closing Disclosure.