Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$92,743Cash toward the purchase price.
Closing costs + prepaids$8,980Not just lender fees.
Before credits & paid funds$101,723The complete starting cash picture.
Estimated remaining funds due at closing
$101,723No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,743.45
Your down payment$92,743.45
Closing costs + prepaids$8,979.92
Total buyer cash needed$101,723.37
Remaining funds due$101,723.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,249.00
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)$163.25
Prepaid interest, first (26 days)$342.67
Fees + prepaids$8,979.92
Your down payment is the seller’s equity. You take over the $132,157 balance, so the rest of the $224,900 price is paid at closing. A second mortgage can cover part of it. $101,723.37 is due at closing. Uses and sources reconcile at $233,879.92 each. Not a Closing Disclosure.