Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$104,489Cash toward the purchase price.
Closing costs + prepaids$9,517Not just lender fees.
Before credits & paid funds$114,007The complete starting cash picture.
Estimated remaining funds due at closing
$114,007No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,489.08
Your down payment$104,489.08
Closing costs + prepaids$9,517.44
Total buyer cash needed$114,006.52
Remaining funds due$114,006.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$761.50
Prepaid interest, first (2 days)$30.94
Fees + prepaids$9,517.44
Your down payment is the seller’s equity. You take over the $145,511 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $114,006.52 is due at closing. Uses and sources reconcile at $259,517.44 each. Not a Closing Disclosure.