Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$95,069Cash toward the purchase price.
Closing costs + prepaids$8,899Not just lender fees.
Before credits & paid funds$103,968The complete starting cash picture.
Estimated remaining funds due at closing
$103,968No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,069.37
Your down payment$95,069.37
Closing costs + prepaids$8,898.78
Total buyer cash needed$103,968.15
Remaining funds due$103,968.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$281.25
Prepaid interest, first (14 days)$142.53
Fees + prepaids$8,898.78
Your down payment is the seller’s equity. You take over the $129,931 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $103,968.15 is due at closing. Uses and sources reconcile at $233,898.78 each. Not a Closing Disclosure.