Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$103,682Cash toward the purchase price.
Closing costs + prepaids$9,956Not just lender fees.
Before credits & paid funds$113,638The complete starting cash picture.
Estimated remaining funds due at closing
$113,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,682.42
Your down payment$103,682.42
Closing costs + prepaids$9,955.62
Total buyer cash needed$113,638.04
Remaining funds due$113,638.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,770.00
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)$267.25
Initial HOA (3 months)$219.00
Prepaid interest, first (30 days)$474.37
Fees + prepaids$9,955.62
Your down payment is the seller’s equity. You take over the $173,318 balance, so the rest of the $277,000 price is paid at closing. A second mortgage can cover part of it. $113,638.04 is due at closing. Uses and sources reconcile at $286,955.62 each. Not a Closing Disclosure.