Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$92,700Cash toward the purchase price.
Closing costs + prepaids$9,839Not just lender fees.
Before credits & paid funds$102,539The complete starting cash picture.
Estimated remaining funds due at closing
$102,539No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,699.59
Your down payment$92,699.59
Closing costs + prepaids$9,839.01
Total buyer cash needed$102,538.60
Remaining funds due$102,538.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,455.00
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)$303.75
Prepaid interest, first (30 days)$855.26
Fees + prepaids$9,839.01
Your down payment is the seller’s equity. You take over the $152,800 balance, so the rest of the $245,500 price is paid at closing. A second mortgage can cover part of it. $102,538.60 is due at closing. Uses and sources reconcile at $255,339.01 each. Not a Closing Disclosure.