Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$111,511Cash toward the purchase price.
Closing costs + prepaids$9,890Not just lender fees.
Before credits & paid funds$121,401The complete starting cash picture.
Estimated remaining funds due at closing
$121,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,511.09
Your down payment$111,511.09
Closing costs + prepaids$9,889.51
Total buyer cash needed$121,400.60
Remaining funds due$121,400.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.99
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)$871.25
Prepaid interest, first (2 days)$43.27
Fees + prepaids$9,889.51
Your down payment is the seller’s equity. You take over the $163,488 balance, so the rest of the $274,999 price is paid at closing. A second mortgage can cover part of it. $121,400.60 is due at closing. Uses and sources reconcile at $284,888.51 each. Not a Closing Disclosure.