Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$106,843Cash toward the purchase price.
Closing costs + prepaids$8,105Not just lender fees.
Before credits & paid funds$114,948The complete starting cash picture.
Estimated remaining funds due at closing
$114,948No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,843.33
Your down payment$106,843.33
Closing costs + prepaids$8,104.84
Total buyer cash needed$114,948.17
Remaining funds due$114,948.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,099.00
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)$779.75
Prepaid interest, first (2 days)$1.09
Fees + prepaids$8,104.84
Your down payment is the seller’s equity. You take over the $3,057 balance, so the rest of the $109,900 price is paid at closing. A second mortgage can cover part of it. $114,948.17 is due at closing. Uses and sources reconcile at $118,004.84 each. Not a Closing Disclosure.