Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$92,049Cash toward the purchase price.
Closing costs + prepaids$9,716Not just lender fees.
Before credits & paid funds$101,765The complete starting cash picture.
Estimated remaining funds due at closing
$101,765No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,048.99
Your down payment$92,048.99
Closing costs + prepaids$9,715.64
Total buyer cash needed$101,764.63
Remaining funds due$101,764.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,549.90
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)$318.75
Initial HOA (3 months)$372.00
Prepaid interest, first (16 days)$249.99
Fees + prepaids$9,715.64
Your down payment is the seller’s equity. You take over the $162,941 balance, so the rest of the $254,990 price is paid at closing. A second mortgage can cover part of it. $101,764.63 is due at closing. Uses and sources reconcile at $264,705.64 each. Not a Closing Disclosure.