Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$103,676Cash toward the purchase price.
Closing costs + prepaids$9,517Not just lender fees.
Before credits & paid funds$113,193The complete starting cash picture.
Estimated remaining funds due at closing
$113,193No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,675.91
Your down payment$103,675.91
Closing costs + prepaids$9,516.78
Total buyer cash needed$113,192.69
Remaining funds due$113,192.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.00
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)$324.00
Initial HOA (3 months)$144.00
Prepaid interest, first (10 days)$124.78
Fees + prepaids$9,516.78
Your down payment is the seller’s equity. You take over the $166,224 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $113,192.69 is due at closing. Uses and sources reconcile at $279,416.78 each. Not a Closing Disclosure.