Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$85,104Cash toward the purchase price.
Closing costs + prepaids$9,750Not just lender fees.
Before credits & paid funds$94,854The complete starting cash picture.
Estimated remaining funds due at closing
$94,854No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,103.83
Your down payment$85,103.83
Closing costs + prepaids$9,750.10
Total buyer cash needed$94,853.93
Remaining funds due$94,853.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
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)$619.75
Prepaid interest, first (30 days)$406.35
Fees + prepaids$9,750.10
Your down payment is the seller’s equity. You take over the $164,796 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $94,853.93 is due at closing. Uses and sources reconcile at $259,650.10 each. Not a Closing Disclosure.