Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$92,468Cash toward the purchase price.
Closing costs + prepaids$10,907Not just lender fees.
Before credits & paid funds$103,376The complete starting cash picture.
Estimated remaining funds due at closing
$103,376No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,468.20
Your down payment$92,468.20
Closing costs + prepaids$10,907.45
Total buyer cash needed$103,375.65
Remaining funds due$103,375.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,520.00
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)$611.75
Initial HOA (3 months)$999.99
Prepaid interest, first (30 days)$550.71
Fees + prepaids$10,907.45
Your down payment is the seller’s equity. You take over the $159,532 balance, so the rest of the $252,000 price is paid at closing. A second mortgage can cover part of it. $103,375.65 is due at closing. Uses and sources reconcile at $262,907.45 each. Not a Closing Disclosure.