Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$108,563Cash toward the purchase price.
Closing costs + prepaids$9,948Not just lender fees.
Before credits & paid funds$118,512The complete starting cash picture.
Estimated remaining funds due at closing
$118,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,563.49
Your down payment$108,563.49
Closing costs + prepaids$9,948.11
Total buyer cash needed$118,511.60
Remaining funds due$118,511.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
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)$427.00
Initial HOA (3 months)$450.00
Prepaid interest, first (18 days)$347.11
Fees + prepaids$9,948.11
Your down payment is the seller’s equity. You take over the $141,337 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $118,511.60 is due at closing. Uses and sources reconcile at $259,848.11 each. Not a Closing Disclosure.