Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$97,860Cash toward the purchase price.
Closing costs + prepaids$10,147Not just lender fees.
Before credits & paid funds$108,007The complete starting cash picture.
Estimated remaining funds due at closing
$108,007No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,860.10
Your down payment$97,860.10
Closing costs + prepaids$10,146.75
Total buyer cash needed$108,006.84
Remaining funds due$108,006.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.99
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)$317.00
Initial HOA (3 months)$432.00
Prepaid interest, first (31 days)$422.76
Fees + prepaids$10,146.75
Your down payment is the seller’s equity. You take over the $177,139 balance, so the rest of the $274,999 price is paid at closing. A second mortgage can cover part of it. $108,006.84 is due at closing. Uses and sources reconcile at $285,145.75 each. Not a Closing Disclosure.