Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$107,006Cash toward the purchase price.
Closing costs + prepaids$9,216Not just lender fees.
Before credits & paid funds$116,222The complete starting cash picture.
Estimated remaining funds due at closing
$116,222No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,006.02
Your down payment$107,006.02
Closing costs + prepaids$9,215.82
Total buyer cash needed$116,221.84
Remaining funds due$116,221.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,490.00
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)$479.50
Prepaid interest, first (2 days)$21.32
Fees + prepaids$9,215.82
Your down payment is the seller’s equity. You take over the $141,994 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $116,221.84 is due at closing. Uses and sources reconcile at $258,215.82 each. Not a Closing Disclosure.