Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$84,326Cash toward the purchase price.
Closing costs + prepaids$9,817Not just lender fees.
Before credits & paid funds$94,143The complete starting cash picture.
Estimated remaining funds due at closing
$94,143No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,326.07
Your down payment$84,326.07
Closing costs + prepaids$9,816.68
Total buyer cash needed$94,142.75
Remaining funds due$94,142.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,490.00
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)$1,089.00
Prepaid interest, first (1 days)$12.68
Fees + prepaids$9,816.68
Your down payment is the seller’s equity. You take over the $164,674 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $94,142.75 is due at closing. Uses and sources reconcile at $258,816.68 each. Not a Closing Disclosure.