Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$103,329Cash toward the purchase price.
Closing costs + prepaids$10,412Not just lender fees.
Before credits & paid funds$113,741The complete starting cash picture.
Estimated remaining funds due at closing
$113,741No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,328.72
Your down payment$103,328.72
Closing costs + prepaids$10,411.99
Total buyer cash needed$113,740.71
Remaining funds due$113,740.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.95
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)$988.50
Prepaid interest, first (23 days)$398.54
Fees + prepaids$10,411.99
Your down payment is the seller’s equity. You take over the $176,666 balance, so the rest of the $279,995 price is paid at closing. A second mortgage can cover part of it. $113,740.71 is due at closing. Uses and sources reconcile at $290,406.99 each. Not a Closing Disclosure.