Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$97,170Cash toward the purchase price.
Closing costs + prepaids$10,683Not just lender fees.
Before credits & paid funds$107,853The complete starting cash picture.
Estimated remaining funds due at closing
$107,853No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,169.54
Your down payment$97,169.54
Closing costs + prepaids$10,683.09
Total buyer cash needed$107,852.63
Remaining funds due$107,852.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,449.91
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)$828.75
Initial HOA (3 months)$495.00
Prepaid interest, first (26 days)$684.43
Fees + prepaids$10,683.09
Your down payment is the seller’s equity. You take over the $147,821 balance, so the rest of the $244,991 price is paid at closing. A second mortgage can cover part of it. $107,852.63 is due at closing. Uses and sources reconcile at $255,674.09 each. Not a Closing Disclosure.