Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$106,100Cash toward the purchase price.
Closing costs + prepaids$9,839Not just lender fees.
Before credits & paid funds$115,939The complete starting cash picture.
Estimated remaining funds due at closing
$115,939No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,099.98
Your down payment$106,099.98
Closing costs + prepaids$9,838.99
Total buyer cash needed$115,938.97
Remaining funds due$115,938.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,494.00
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)$668.50
Prepaid interest, first (25 days)$451.49
Fees + prepaids$9,838.99
Your down payment is the seller’s equity. You take over the $143,300 balance, so the rest of the $249,400 price is paid at closing. A second mortgage can cover part of it. $115,938.97 is due at closing. Uses and sources reconcile at $259,238.99 each. Not a Closing Disclosure.