Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$106,268Cash toward the purchase price.
Closing costs + prepaids$8,401Not just lender fees.
Before credits & paid funds$114,669The complete starting cash picture.
Estimated remaining funds due at closing
$114,669No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,267.97
Your down payment$106,267.97
Closing costs + prepaids$8,400.92
Total buyer cash needed$114,668.89
Remaining funds due$114,668.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,799.00
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)$225.00
Prepaid interest, first (17 days)$151.92
Fees + prepaids$8,400.92
Your down payment is the seller’s equity. You take over the $73,632 balance, so the rest of the $179,900 price is paid at closing. A second mortgage can cover part of it. $114,668.89 is due at closing. Uses and sources reconcile at $188,300.92 each. Not a Closing Disclosure.