Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$93,166Cash toward the purchase price.
Closing costs + prepaids$9,178Not just lender fees.
Before credits & paid funds$102,343The complete starting cash picture.
Estimated remaining funds due at closing
$102,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,165.69
Your down payment$93,165.69
Closing costs + prepaids$9,177.67
Total buyer cash needed$102,343.36
Remaining funds due$102,343.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,150.00
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)$495.25
Prepaid interest, first (30 days)$307.42
Fees + prepaids$9,177.67
Your down payment is the seller’s equity. You take over the $121,834 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $102,343.36 is due at closing. Uses and sources reconcile at $224,177.67 each. Not a Closing Disclosure.