Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$99,307Cash toward the purchase price.
Closing costs + prepaids$10,362Not just lender fees.
Before credits & paid funds$109,668The complete starting cash picture.
Estimated remaining funds due at closing
$109,668No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,306.60
Your down payment$99,306.60
Closing costs + prepaids$10,361.67
Total buyer cash needed$109,668.27
Remaining funds due$109,668.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,730.00
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)$971.25
Prepaid interest, first (30 days)$435.42
Fees + prepaids$10,361.67
Your down payment is the seller’s equity. You take over the $173,693 balance, so the rest of the $273,000 price is paid at closing. A second mortgage can cover part of it. $109,668.27 is due at closing. Uses and sources reconcile at $283,361.67 each. Not a Closing Disclosure.