Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$97,778Cash toward the purchase price.
Closing costs + prepaids$8,585Not just lender fees.
Before credits & paid funds$106,363The complete starting cash picture.
Estimated remaining funds due at closing
$106,363No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,777.60
Your down payment$97,777.60
Closing costs + prepaids$8,585.11
Total buyer cash needed$106,362.71
Remaining funds due$106,362.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,100.00
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)$228.75
Prepaid interest, first (2 days)$31.36
Fees + prepaids$8,585.11
Your down payment is the seller’s equity. You take over the $112,222 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $106,362.71 is due at closing. Uses and sources reconcile at $218,585.11 each. Not a Closing Disclosure.