Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$108,665Cash toward the purchase price.
Closing costs + prepaids$8,175Not just lender fees.
Before credits & paid funds$116,841The complete starting cash picture.
Estimated remaining funds due at closing
$116,841No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,665.50
Your down payment$108,665.50
Closing costs + prepaids$8,175.04
Total buyer cash needed$116,840.54
Remaining funds due$116,840.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,449.00
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)$362.25
Prepaid interest, first (31 days)$138.79
Fees + prepaids$8,175.04
Your down payment is the seller’s equity. You take over the $36,235 balance, so the rest of the $144,900 price is paid at closing. A second mortgage can cover part of it. $116,840.54 is due at closing. Uses and sources reconcile at $153,075.04 each. Not a Closing Disclosure.