Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$97,440Cash toward the purchase price.
Closing costs + prepaids$9,738Not just lender fees.
Before credits & paid funds$107,177The complete starting cash picture.
Estimated remaining funds due at closing
$107,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,439.70
Your down payment$97,439.70
Closing costs + prepaids$9,737.66
Total buyer cash needed$107,177.36
Remaining funds due$107,177.36
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 (1 days)$13.67
Fees + prepaids$9,737.66
Your down payment is the seller’s equity. You take over the $177,559 balance, so the rest of the $274,999 price is paid at closing. A second mortgage can cover part of it. $107,177.36 is due at closing. Uses and sources reconcile at $284,736.66 each. Not a Closing Disclosure.