Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$102,625Cash toward the purchase price.
Closing costs + prepaids$8,720Not just lender fees.
Before credits & paid funds$111,345The complete starting cash picture.
Estimated remaining funds due at closing
$111,345No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,624.76
Your down payment$102,624.76
Closing costs + prepaids$8,720.12
Total buyer cash needed$111,344.88
Remaining funds due$111,344.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,050.00
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)$435.50
Prepaid interest, first (1 days)$9.62
Fees + prepaids$8,720.12
Your down payment is the seller’s equity. You take over the $102,375 balance, so the rest of the $205,000 price is paid at closing. A second mortgage can cover part of it. $111,344.88 is due at closing. Uses and sources reconcile at $213,720.12 each. Not a Closing Disclosure.