Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$103,246Cash toward the purchase price.
Closing costs + prepaids$9,898Not just lender fees.
Before credits & paid funds$113,144The complete starting cash picture.
Estimated remaining funds due at closing
$113,144No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,246.18
Your down payment$103,246.18
Closing costs + prepaids$9,898.07
Total buyer cash needed$113,144.24
Remaining funds due$113,144.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.00
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)$278.75
Initial HOA (3 months)$189.00
Prepaid interest, first (31 days)$456.32
Fees + prepaids$9,898.07
Your down payment is the seller’s equity. You take over the $171,654 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $113,144.24 is due at closing. Uses and sources reconcile at $284,798.07 each. Not a Closing Disclosure.