Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$7,259Cash toward the purchase price.
Closing costs + prepaids$7,970Not just lender fees.
Before credits & paid funds$15,229The complete starting cash picture.
Estimated remaining funds due at closing
$15,229No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,258.97
Your down payment$7,258.97
Closing costs + prepaids$7,969.62
Total buyer cash needed$15,228.58
Remaining funds due$15,228.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$990.00
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)$387.25
Prepaid interest, first (28 days)$367.37
Fees + prepaids$7,969.62
Your down payment is the seller’s equity. You take over the $91,741 balance, so the rest of the $99,000 price is paid at closing. A second mortgage can cover part of it. $15,228.58 is due at closing. Uses and sources reconcile at $106,969.62 each. Not a Closing Disclosure.