Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$104,131Cash toward the purchase price.
Closing costs + prepaids$9,799Not just lender fees.
Before credits & paid funds$113,930The complete starting cash picture.
Estimated remaining funds due at closing
$113,930No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,131.09
Your down payment$104,131.09
Closing costs + prepaids$9,798.87
Total buyer cash needed$113,929.96
Remaining funds due$113,929.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$1,045.50
Prepaid interest, first (2 days)$28.37
Fees + prepaids$9,798.87
Your down payment is the seller’s equity. You take over the $145,869 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $113,929.96 is due at closing. Uses and sources reconcile at $259,798.87 each. Not a Closing Disclosure.