Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$106,846Cash toward the purchase price.
Closing costs + prepaids$8,116Not just lender fees.
Before credits & paid funds$114,963The complete starting cash picture.
Estimated remaining funds due at closing
$114,963No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,846.47
Your down payment$106,846.47
Closing costs + prepaids$8,116.26
Total buyer cash needed$114,962.73
Remaining funds due$114,962.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,099.00
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)$779.75
Prepaid interest, first (23 days)$12.51
Fees + prepaids$8,116.26
Your down payment is the seller’s equity. You take over the $3,054 balance, so the rest of the $109,900 price is paid at closing. A second mortgage can cover part of it. $114,962.73 is due at closing. Uses and sources reconcile at $118,016.26 each. Not a Closing Disclosure.