Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$103,171Cash toward the purchase price.
Closing costs + prepaids$9,096Not just lender fees.
Before credits & paid funds$112,267The complete starting cash picture.
Estimated remaining funds due at closing
$112,267No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,171.23
Your down payment$103,171.23
Closing costs + prepaids$9,095.63
Total buyer cash needed$112,266.87
Remaining funds due$112,266.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,789.00
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)$68.25
Prepaid interest, first (1 days)$13.38
Fees + prepaids$9,095.63
Your down payment is the seller’s equity. You take over the $175,729 balance, so the rest of the $278,900 price is paid at closing. A second mortgage can cover part of it. $112,266.87 is due at closing. Uses and sources reconcile at $287,995.63 each. Not a Closing Disclosure.