Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$103,620Cash toward the purchase price.
Closing costs + prepaids$10,151Not just lender fees.
Before credits & paid funds$113,771The complete starting cash picture.
Estimated remaining funds due at closing
$113,771No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,620.03
Your down payment$103,620.03
Closing costs + prepaids$10,151.38
Total buyer cash needed$113,771.40
Remaining funds due$113,771.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,550.00
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)$973.25
Prepaid interest, first (30 days)$403.13
Fees + prepaids$10,151.38
Your down payment is the seller’s equity. You take over the $151,380 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $113,771.40 is due at closing. Uses and sources reconcile at $265,151.38 each. Not a Closing Disclosure.