Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$104,235Cash toward the purchase price.
Closing costs + prepaids$9,813Not just lender fees.
Before credits & paid funds$114,048The complete starting cash picture.
Estimated remaining funds due at closing
$114,048No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,234.91
Your down payment$104,234.91
Closing costs + prepaids$9,813.07
Total buyer cash needed$114,047.98
Remaining funds due$114,047.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.00
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)$713.75
Prepaid interest, first (5 days)$75.32
Fees + prepaids$9,813.07
Your down payment is the seller’s equity. You take over the $175,665 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $114,047.98 is due at closing. Uses and sources reconcile at $289,713.07 each. Not a Closing Disclosure.