Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$101,397Cash toward the purchase price.
Closing costs + prepaids$9,022Not just lender fees.
Before credits & paid funds$110,419The complete starting cash picture.
Estimated remaining funds due at closing
$110,419No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,397.49
Your down payment$101,397.49
Closing costs + prepaids$9,021.58
Total buyer cash needed$110,419.07
Remaining funds due$110,419.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,049.00
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)$520.50
Prepaid interest, first (26 days)$227.08
Fees + prepaids$9,021.58
Your down payment is the seller’s equity. You take over the $103,503 balance, so the rest of the $204,900 price is paid at closing. A second mortgage can cover part of it. $110,419.07 is due at closing. Uses and sources reconcile at $213,921.58 each. Not a Closing Disclosure.