Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$108,775Cash toward the purchase price.
Closing costs + prepaids$10,957Not just lender fees.
Before credits & paid funds$119,732The complete starting cash picture.
Estimated remaining funds due at closing
$119,732No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,774.55
Your down payment$108,774.55
Closing costs + prepaids$10,957.28
Total buyer cash needed$119,731.83
Remaining funds due$119,731.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,930.00
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)$1,425.00
Prepaid interest, first (25 days)$377.28
Fees + prepaids$10,957.28
Your down payment is the seller’s equity. You take over the $184,225 balance, so the rest of the $293,000 price is paid at closing. A second mortgage can cover part of it. $119,731.83 is due at closing. Uses and sources reconcile at $303,957.28 each. Not a Closing Disclosure.