Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$95,538Cash toward the purchase price.
Closing costs + prepaids$8,908Not just lender fees.
Before credits & paid funds$104,445The complete starting cash picture.
Estimated remaining funds due at closing
$104,445No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,537.80
Your down payment$95,537.80
Closing costs + prepaids$8,907.70
Total buyer cash needed$104,445.49
Remaining funds due$104,445.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,149.50
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)$506.50
Prepaid interest, first (24 days)$26.70
Fees + prepaids$8,907.70
Your down payment is the seller’s equity. You take over the $119,412 balance, so the rest of the $214,950 price is paid at closing. A second mortgage can cover part of it. $104,445.49 is due at closing. Uses and sources reconcile at $223,857.70 each. Not a Closing Disclosure.