Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$99,246Cash toward the purchase price.
Closing costs + prepaids$14,898Not just lender fees.
Before credits & paid funds$114,144The complete starting cash picture.
Estimated remaining funds due at closing
$114,144No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,245.68
Your down payment$99,245.68
Closing costs + prepaids$14,898.46
Total buyer cash needed$114,144.14
Remaining funds due$114,144.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,449.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,069.75
Prepaid interest, first (24 days)$1,904.71
Fees + prepaids$14,898.46
Your down payment is the seller’s equity. You take over the $445,654 balance, so the rest of the $544,900 price is paid at closing. A second mortgage can cover part of it. $114,144.14 is due at closing. Uses and sources reconcile at $559,798.46 each. Not a Closing Disclosure.