Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$107,705Cash toward the purchase price.
Closing costs + prepaids$9,547Not just lender fees.
Before credits & paid funds$117,252The complete starting cash picture.
Estimated remaining funds due at closing
$117,252No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,704.96
Your down payment$107,704.96
Closing costs + prepaids$9,547.12
Total buyer cash needed$117,252.08
Remaining funds due$117,252.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,449.97
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)$574.25
Prepaid interest, first (24 days)$297.90
Fees + prepaids$9,547.12
Your down payment is the seller’s equity. You take over the $137,292 balance, so the rest of the $244,997 price is paid at closing. A second mortgage can cover part of it. $117,252.08 is due at closing. Uses and sources reconcile at $254,544.12 each. Not a Closing Disclosure.