Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$102,379Cash toward the purchase price.
Closing costs + prepaids$9,652Not just lender fees.
Before credits & paid funds$112,030The complete starting cash picture.
Estimated remaining funds due at closing
$112,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,378.71
Your down payment$102,378.71
Closing costs + prepaids$9,651.62
Total buyer cash needed$112,030.33
Remaining funds due$112,030.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,450.00
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)$675.75
Prepaid interest, first (28 days)$300.87
Fees + prepaids$9,651.62
Your down payment is the seller’s equity. You take over the $142,621 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $112,030.33 is due at closing. Uses and sources reconcile at $254,651.62 each. Not a Closing Disclosure.