Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$97,109Cash toward the purchase price.
Closing costs + prepaids$10,725Not just lender fees.
Before credits & paid funds$107,834The complete starting cash picture.
Estimated remaining funds due at closing
$107,834No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,108.98
Your down payment$97,108.98
Closing costs + prepaids$10,724.63
Total buyer cash needed$107,833.61
Remaining funds due$107,833.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,489.00
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)$634.75
Initial HOA (3 months)$1,311.00
Prepaid interest, first (5 days)$64.88
Fees + prepaids$10,724.63
Your down payment is the seller’s equity. You take over the $151,791 balance, so the rest of the $248,900 price is paid at closing. A second mortgage can cover part of it. $107,833.61 is due at closing. Uses and sources reconcile at $259,624.63 each. Not a Closing Disclosure.