Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$111,707Cash toward the purchase price.
Closing costs + prepaids$9,351Not just lender fees.
Before credits & paid funds$121,058The complete starting cash picture.
Estimated remaining funds due at closing
$121,058No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,707.42
Your down payment$111,707.42
Closing costs + prepaids$9,351.06
Total buyer cash needed$121,058.48
Remaining funds due$121,058.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,450.00
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)$624.75
Prepaid interest, first (5 days)$51.31
Fees + prepaids$9,351.06
Your down payment is the seller’s equity. You take over the $133,293 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $121,058.48 is due at closing. Uses and sources reconcile at $254,351.06 each. Not a Closing Disclosure.