Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$92,378Cash toward the purchase price.
Closing costs + prepaids$9,116Not just lender fees.
Before credits & paid funds$101,494The complete starting cash picture.
Estimated remaining funds due at closing
$101,494No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,377.72
Your down payment$92,377.72
Closing costs + prepaids$9,116.27
Total buyer cash needed$101,493.99
Remaining funds due$101,493.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,340.00
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)$280.75
Prepaid interest, first (12 days)$270.52
Fees + prepaids$9,116.27
Your down payment is the seller’s equity. You take over the $141,622 balance, so the rest of the $234,000 price is paid at closing. A second mortgage can cover part of it. $101,493.99 is due at closing. Uses and sources reconcile at $243,116.27 each. Not a Closing Disclosure.