Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$101,077Cash toward the purchase price.
Closing costs + prepaids$7,898Not just lender fees.
Before credits & paid funds$108,975The complete starting cash picture.
Estimated remaining funds due at closing
$108,975No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,076.72
Your down payment$101,076.72
Closing costs + prepaids$7,897.87
Total buyer cash needed$108,974.59
Remaining funds due$108,974.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,449.00
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)$91.00
Prepaid interest, first (31 days)$132.87
Fees + prepaids$7,897.87
Your down payment is the seller’s equity. You take over the $43,823 balance, so the rest of the $144,900 price is paid at closing. A second mortgage can cover part of it. $108,974.59 is due at closing. Uses and sources reconcile at $152,797.87 each. Not a Closing Disclosure.