Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$96,628Cash toward the purchase price.
Closing costs + prepaids$9,774Not just lender fees.
Before credits & paid funds$106,402The complete starting cash picture.
Estimated remaining funds due at closing
$106,402No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,628.44
Your down payment$96,628.44
Closing costs + prepaids$9,774.01
Total buyer cash needed$106,402.45
Remaining funds due$106,402.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,970.00
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)$226.25
Prepaid interest, first (21 days)$352.76
Fees + prepaids$9,774.01
Your down payment is the seller’s equity. You take over the $200,372 balance, so the rest of the $297,000 price is paid at closing. A second mortgage can cover part of it. $106,402.45 is due at closing. Uses and sources reconcile at $306,774.01 each. Not a Closing Disclosure.