Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$92,999Cash toward the purchase price.
Closing costs + prepaids$9,648Not just lender fees.
Before credits & paid funds$102,646The complete starting cash picture.
Estimated remaining funds due at closing
$102,646No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,998.54
Your down payment$92,998.54
Closing costs + prepaids$9,647.95
Total buyer cash needed$102,646.48
Remaining funds due$102,646.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,379.00
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)$314.00
Prepaid interest, first (27 days)$729.95
Fees + prepaids$9,647.95
Your down payment is the seller’s equity. You take over the $144,901 balance, so the rest of the $237,900 price is paid at closing. A second mortgage can cover part of it. $102,646.48 is due at closing. Uses and sources reconcile at $247,547.95 each. Not a Closing Disclosure.