Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$10,490Cash toward the purchase price.
Closing costs + prepaids$7,846Not just lender fees.
Before credits & paid funds$18,336The complete starting cash picture.
Estimated remaining funds due at closing
$18,336No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,490.01
Your down payment$10,490.01
Closing costs + prepaids$7,846.05
Total buyer cash needed$18,336.06
Remaining funds due$18,336.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,085.00
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)$82.25
Prepaid interest, first (26 days)$453.80
Fees + prepaids$7,846.05
Your down payment is the seller’s equity. You take over the $98,010 balance, so the rest of the $108,500 price is paid at closing. A second mortgage can cover part of it. $18,336.06 is due at closing. Uses and sources reconcile at $116,346.05 each. Not a Closing Disclosure.