Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$97,035Cash toward the purchase price.
Closing costs + prepaids$11,205Not just lender fees.
Before credits & paid funds$108,240The complete starting cash picture.
Estimated remaining funds due at closing
$108,240No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,035.47
Your down payment$97,035.47
Closing costs + prepaids$11,204.77
Total buyer cash needed$108,240.24
Remaining funds due$108,240.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,949.00
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)$1,106.50
Prepaid interest, first (25 days)$924.27
Fees + prepaids$11,204.77
Your down payment is the seller’s equity. You take over the $197,865 balance, so the rest of the $294,900 price is paid at closing. A second mortgage can cover part of it. $108,240.24 is due at closing. Uses and sources reconcile at $306,104.77 each. Not a Closing Disclosure.