Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$21,784Cash toward the purchase price.
Closing costs + prepaids$8,191Not just lender fees.
Before credits & paid funds$29,975The complete starting cash picture.
Estimated remaining funds due at closing
$29,975No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,784.02
Your down payment$21,784.02
Closing costs + prepaids$8,191.20
Total buyer cash needed$29,975.21
Remaining funds due$29,975.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,000.00
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)$720.75
Prepaid interest, first (23 days)$245.45
Fees + prepaids$8,191.20
Your down payment is the seller’s equity. You take over the $78,216 balance, so the rest of the $100,000 price is paid at closing. A second mortgage can cover part of it. $29,975.21 is due at closing. Uses and sources reconcile at $108,191.20 each. Not a Closing Disclosure.