Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$92,914Cash toward the purchase price.
Closing costs + prepaids$9,232Not just lender fees.
Before credits & paid funds$102,146The complete starting cash picture.
Estimated remaining funds due at closing
$102,146No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,914.37
Your down payment$92,914.37
Closing costs + prepaids$9,231.62
Total buyer cash needed$102,145.99
Remaining funds due$102,145.99
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)$482.00
Prepaid interest, first (2 days)$24.62
Fees + prepaids$9,231.62
Your down payment is the seller’s equity. You take over the $157,086 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $102,145.99 is due at closing. Uses and sources reconcile at $259,231.62 each. Not a Closing Disclosure.