Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$106,667Cash toward the purchase price.
Closing costs + prepaids$7,933Not just lender fees.
Before credits & paid funds$114,600The complete starting cash picture.
Estimated remaining funds due at closing
$114,600No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,666.93
Your down payment$106,666.93
Closing costs + prepaids$7,932.86
Total buyer cash needed$114,599.79
Remaining funds due$114,599.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,183.00
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)$471.00
Prepaid interest, first (25 days)$53.86
Fees + prepaids$7,932.86
Your down payment is the seller’s equity. You take over the $11,633 balance, so the rest of the $118,300 price is paid at closing. A second mortgage can cover part of it. $114,599.79 is due at closing. Uses and sources reconcile at $126,232.86 each. Not a Closing Disclosure.