Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$92,862Cash toward the purchase price.
Closing costs + prepaids$10,453Not just lender fees.
Before credits & paid funds$103,315The complete starting cash picture.
Estimated remaining funds due at closing
$103,315No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,861.70
Your down payment$92,861.70
Closing costs + prepaids$10,452.85
Total buyer cash needed$103,314.55
Remaining funds due$103,314.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.99
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)$408.00
Prepaid interest, first (9 days)$419.86
Fees + prepaids$10,452.85
Your down payment is the seller’s equity. You take over the $247,137 balance, so the rest of the $339,999 price is paid at closing. A second mortgage can cover part of it. $103,314.55 is due at closing. Uses and sources reconcile at $350,451.85 each. Not a Closing Disclosure.