Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$92,376Cash toward the purchase price.
Closing costs + prepaids$9,978Not just lender fees.
Before credits & paid funds$102,354The complete starting cash picture.
Estimated remaining funds due at closing
$102,354No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,376.28
Your down payment$92,376.28
Closing costs + prepaids$9,978.17
Total buyer cash needed$102,354.45
Remaining funds due$102,354.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$599.25
Initial HOA (3 months)$750.00
Prepaid interest, first (4 days)$53.92
Fees + prepaids$9,978.17
Your down payment is the seller’s equity. You take over the $142,624 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $102,354.45 is due at closing. Uses and sources reconcile at $244,978.17 each. Not a Closing Disclosure.