Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$104,104Cash toward the purchase price.
Closing costs + prepaids$9,257Not just lender fees.
Before credits & paid funds$113,361The complete starting cash picture.
Estimated remaining funds due at closing
$113,361No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,104.17
Your down payment$104,104.17
Closing costs + prepaids$9,256.69
Total buyer cash needed$113,360.85
Remaining funds due$113,360.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,979.99
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)$345.75
Initial HOA (3 months)$375.00
Prepaid interest, first (31 days)$330.95
Fees + prepaids$9,256.69
Your down payment is the seller’s equity. You take over the $93,895 balance, so the rest of the $197,999 price is paid at closing. A second mortgage can cover part of it. $113,360.85 is due at closing. Uses and sources reconcile at $207,255.69 each. Not a Closing Disclosure.