Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$92,760Cash toward the purchase price.
Closing costs + prepaids$10,784Not just lender fees.
Before credits & paid funds$103,544The complete starting cash picture.
Estimated remaining funds due at closing
$103,544No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,760.02
Your down payment$92,760.02
Closing costs + prepaids$10,783.94
Total buyer cash needed$103,543.96
Remaining funds due$103,543.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,490.00
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)$298.75
Initial HOA (3 months)$1,575.00
Prepaid interest, first (12 days)$195.19
Fees + prepaids$10,783.94
Your down payment is the seller’s equity. You take over the $156,240 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $103,543.96 is due at closing. Uses and sources reconcile at $259,783.94 each. Not a Closing Disclosure.