Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$108,705Cash toward the purchase price.
Closing costs + prepaids$10,198Not just lender fees.
Before credits & paid funds$118,903The complete starting cash picture.
Estimated remaining funds due at closing
$118,903No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,704.68
Your down payment$108,704.68
Closing costs + prepaids$10,197.83
Total buyer cash needed$118,902.51
Remaining funds due$118,902.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.00
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)$407.25
Prepaid interest, first (24 days)$766.58
Fees + prepaids$10,197.83
Your down payment is the seller’s equity. You take over the $171,195 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $118,902.51 is due at closing. Uses and sources reconcile at $290,097.83 each. Not a Closing Disclosure.