Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$85,251Cash toward the purchase price.
Closing costs + prepaids$9,495Not just lender fees.
Before credits & paid funds$94,746The complete starting cash picture.
Estimated remaining funds due at closing
$94,746No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,250.64
Your down payment$85,250.64
Closing costs + prepaids$9,495.42
Total buyer cash needed$94,746.06
Remaining funds due$94,746.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.00
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)$330.00
Prepaid interest, first (12 days)$191.42
Fees + prepaids$9,495.42
Your down payment is the seller’s equity. You take over the $189,649 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $94,746.06 is due at closing. Uses and sources reconcile at $284,395.42 each. Not a Closing Disclosure.