Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$96,077Cash toward the purchase price.
Closing costs + prepaids$10,015Not just lender fees.
Before credits & paid funds$106,093The complete starting cash picture.
Estimated remaining funds due at closing
$106,093No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,077.47
Your down payment$96,077.47
Closing costs + prepaids$10,015.40
Total buyer cash needed$106,092.88
Remaining funds due$106,092.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,570.00
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)$765.25
Initial HOA (3 months)$112.50
Prepaid interest, first (29 days)$342.65
Fees + prepaids$10,015.40
Your down payment is the seller’s equity. You take over the $160,923 balance, so the rest of the $257,000 price is paid at closing. A second mortgage can cover part of it. $106,092.88 is due at closing. Uses and sources reconcile at $267,015.40 each. Not a Closing Disclosure.