Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$105,118Cash toward the purchase price.
Closing costs + prepaids$7,905Not just lender fees.
Before credits & paid funds$113,023The complete starting cash picture.
Estimated remaining funds due at closing
$113,023No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,117.80
Your down payment$105,117.80
Closing costs + prepaids$7,905.38
Total buyer cash needed$113,023.18
Remaining funds due$113,023.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,500.00
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)$171.75
Prepaid interest, first (2 days)$8.63
Fees + prepaids$7,905.38
Your down payment is the seller’s equity. You take over the $44,882 balance, so the rest of the $150,000 price is paid at closing. A second mortgage can cover part of it. $113,023.18 is due at closing. Uses and sources reconcile at $157,905.38 each. Not a Closing Disclosure.