Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$95,208Cash toward the purchase price.
Closing costs + prepaids$10,025Not just lender fees.
Before credits & paid funds$105,233The complete starting cash picture.
Estimated remaining funds due at closing
$105,233No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,207.85
Your down payment$95,207.85
Closing costs + prepaids$10,024.86
Total buyer cash needed$105,232.70
Remaining funds due$105,232.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,590.00
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)$850.50
Prepaid interest, first (26 days)$359.36
Fees + prepaids$10,024.86
Your down payment is the seller’s equity. You take over the $163,792 balance, so the rest of the $259,000 price is paid at closing. A second mortgage can cover part of it. $105,232.70 is due at closing. Uses and sources reconcile at $269,024.86 each. Not a Closing Disclosure.