Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$105,016Cash toward the purchase price.
Closing costs + prepaids$10,173Not just lender fees.
Before credits & paid funds$115,189The complete starting cash picture.
Estimated remaining funds due at closing
$115,189No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,015.72
Your down payment$105,015.72
Closing costs + prepaids$10,173.46
Total buyer cash needed$115,189.18
Remaining funds due$115,189.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.00
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)$687.25
Prepaid interest, first (31 days)$512.21
Fees + prepaids$10,173.46
Your down payment is the seller’s equity. You take over the $169,884 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $115,189.18 is due at closing. Uses and sources reconcile at $285,073.46 each. Not a Closing Disclosure.