Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$91,917Cash toward the purchase price.
Closing costs + prepaids$11,278Not just lender fees.
Before credits & paid funds$103,195The complete starting cash picture.
Estimated remaining funds due at closing
$103,195No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,917.39
Your down payment$91,917.39
Closing costs + prepaids$11,278.01
Total buyer cash needed$103,195.40
Remaining funds due$103,195.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,450.00
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)$1,272.75
Initial HOA (3 months)$729.00
Prepaid interest, first (28 days)$601.26
Fees + prepaids$11,278.01
Your down payment is the seller’s equity. You take over the $153,083 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $103,195.40 is due at closing. Uses and sources reconcile at $256,278.01 each. Not a Closing Disclosure.