Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$103,579Cash toward the purchase price.
Closing costs + prepaids$9,496Not just lender fees.
Before credits & paid funds$113,076The complete starting cash picture.
Estimated remaining funds due at closing
$113,076No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,579.37
Your down payment$103,579.37
Closing costs + prepaids$9,496.20
Total buyer cash needed$113,075.57
Remaining funds due$113,075.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,789.00
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)$68.25
Prepaid interest, first (31 days)$413.95
Fees + prepaids$9,496.20
Your down payment is the seller’s equity. You take over the $175,321 balance, so the rest of the $278,900 price is paid at closing. A second mortgage can cover part of it. $113,075.57 is due at closing. Uses and sources reconcile at $288,396.20 each. Not a Closing Disclosure.