Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$101,965Cash toward the purchase price.
Closing costs + prepaids$10,225Not just lender fees.
Before credits & paid funds$112,190The complete starting cash picture.
Estimated remaining funds due at closing
$112,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,965.14
Your down payment$101,965.14
Closing costs + prepaids$10,225.05
Total buyer cash needed$112,190.18
Remaining funds due$112,190.18
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)$1,003.50
Prepaid interest, first (18 days)$497.55
Fees + prepaids$10,225.05
Your down payment is the seller’s equity. You take over the $147,935 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $112,190.18 is due at closing. Uses and sources reconcile at $260,125.05 each. Not a Closing Disclosure.