Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$101,077Cash toward the purchase price.
Closing costs + prepaids$7,891Not just lender fees.
Before credits & paid funds$108,968The complete starting cash picture.
Estimated remaining funds due at closing
$108,968No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,076.72
Your down payment$101,076.72
Closing costs + prepaids$7,890.86
Total buyer cash needed$108,967.58
Remaining funds due$108,967.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,449.00
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)$174.00
Prepaid interest, first (10 days)$42.86
Fees + prepaids$7,890.86
Your down payment is the seller’s equity. You take over the $43,823 balance, so the rest of the $144,900 price is paid at closing. A second mortgage can cover part of it. $108,967.58 is due at closing. Uses and sources reconcile at $152,790.86 each. Not a Closing Disclosure.