Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$84,271Cash toward the purchase price.
Closing costs + prepaids$10,021Not just lender fees.
Before credits & paid funds$94,292The complete starting cash picture.
Estimated remaining funds due at closing
$94,292No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,271.02
Your down payment$84,271.02
Closing costs + prepaids$10,020.90
Total buyer cash needed$94,291.93
Remaining funds due$94,291.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,524.00
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)$876.50
Prepaid interest, first (29 days)$395.40
Fees + prepaids$10,020.90
Your down payment is the seller’s equity. You take over the $168,129 balance, so the rest of the $252,400 price is paid at closing. A second mortgage can cover part of it. $94,291.93 is due at closing. Uses and sources reconcile at $262,420.90 each. Not a Closing Disclosure.