Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$102,858Cash toward the purchase price.
Closing costs + prepaids$8,786Not just lender fees.
Before credits & paid funds$111,644The complete starting cash picture.
Estimated remaining funds due at closing
$111,644No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,858.44
Your down payment$102,858.44
Closing costs + prepaids$8,785.70
Total buyer cash needed$111,644.15
Remaining funds due$111,644.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,300.00
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)$16.00
Prepaid interest, first (25 days)$244.70
Fees + prepaids$8,785.70
Your down payment is the seller’s equity. You take over the $127,142 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $111,644.15 is due at closing. Uses and sources reconcile at $238,785.70 each. Not a Closing Disclosure.