Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$102,518Cash toward the purchase price.
Closing costs + prepaids$8,780Not just lender fees.
Before credits & paid funds$111,299The complete starting cash picture.
Estimated remaining funds due at closing
$111,299No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,518.29
Your down payment$102,518.29
Closing costs + prepaids$8,780.36
Total buyer cash needed$111,298.65
Remaining funds due$111,298.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,449.00
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)$925.50
Prepaid interest, first (24 days)$180.86
Fees + prepaids$8,780.36
Your down payment is the seller’s equity. You take over the $42,382 balance, so the rest of the $144,900 price is paid at closing. A second mortgage can cover part of it. $111,298.65 is due at closing. Uses and sources reconcile at $153,680.36 each. Not a Closing Disclosure.