Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$97,860Cash toward the purchase price.
Closing costs + prepaids$10,010Not just lender fees.
Before credits & paid funds$107,870The complete starting cash picture.
Estimated remaining funds due at closing
$107,870No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,860.10
Your down payment$97,860.10
Closing costs + prepaids$10,010.37
Total buyer cash needed$107,870.47
Remaining funds due$107,870.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.99
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)$317.00
Initial HOA (3 months)$432.00
Prepaid interest, first (21 days)$286.38
Fees + prepaids$10,010.37
Your down payment is the seller’s equity. You take over the $177,139 balance, so the rest of the $274,999 price is paid at closing. A second mortgage can cover part of it. $107,870.47 is due at closing. Uses and sources reconcile at $285,009.37 each. Not a Closing Disclosure.