Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$91,882Cash toward the purchase price.
Closing costs + prepaids$9,637Not just lender fees.
Before credits & paid funds$101,519The complete starting cash picture.
Estimated remaining funds due at closing
$101,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,882.20
Your down payment$91,882.20
Closing costs + prepaids$9,636.99
Total buyer cash needed$101,519.19
Remaining funds due$101,519.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,299.00
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)$821.00
Prepaid interest, first (26 days)$291.99
Fees + prepaids$9,636.99
Your down payment is the seller’s equity. You take over the $138,018 balance, so the rest of the $229,900 price is paid at closing. A second mortgage can cover part of it. $101,519.19 is due at closing. Uses and sources reconcile at $239,536.99 each. Not a Closing Disclosure.