Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$98,838Cash toward the purchase price.
Closing costs + prepaids$9,553Not just lender fees.
Before credits & paid funds$108,391The complete starting cash picture.
Estimated remaining funds due at closing
$108,391No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,837.72
Your down payment$98,837.72
Closing costs + prepaids$9,553.11
Total buyer cash needed$108,390.83
Remaining funds due$108,390.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,490.00
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)$436.25
Prepaid interest, first (24 days)$401.86
Fees + prepaids$9,553.11
Your down payment is the seller’s equity. You take over the $150,162 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $108,390.83 is due at closing. Uses and sources reconcile at $258,553.11 each. Not a Closing Disclosure.