Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$102,844Cash toward the purchase price.
Closing costs + prepaids$9,758Not just lender fees.
Before credits & paid funds$112,601The complete starting cash picture.
Estimated remaining funds due at closing
$112,601No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,843.52
Your down payment$102,843.52
Closing costs + prepaids$9,757.76
Total buyer cash needed$112,601.28
Remaining funds due$112,601.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,830.00
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)$339.50
Initial HOA (3 months)$210.00
Prepaid interest, first (9 days)$153.26
Fees + prepaids$9,757.76
Your down payment is the seller’s equity. You take over the $180,156 balance, so the rest of the $283,000 price is paid at closing. A second mortgage can cover part of it. $112,601.28 is due at closing. Uses and sources reconcile at $292,757.76 each. Not a Closing Disclosure.