Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$93,505Cash toward the purchase price.
Closing costs + prepaids$9,940Not just lender fees.
Before credits & paid funds$103,445The complete starting cash picture.
Estimated remaining funds due at closing
$103,445No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,505.16
Your down payment$93,505.16
Closing costs + prepaids$9,940.00
Total buyer cash needed$103,445.16
Remaining funds due$103,445.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,790.00
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)$348.75
Prepaid interest, first (17 days)$576.25
Fees + prepaids$9,940.00
Your down payment is the seller’s equity. You take over the $185,495 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $103,445.16 is due at closing. Uses and sources reconcile at $288,940.00 each. Not a Closing Disclosure.