Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$144,768Cash toward the purchase price.
Closing costs + prepaids$9,537Not just lender fees.
Before credits & paid funds$154,305The complete starting cash picture.
Estimated remaining funds due at closing
$154,305No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,768.05
Your down payment$144,768.05
Closing costs + prepaids$9,536.71
Total buyer cash needed$154,304.76
Remaining funds due$154,304.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,390.00
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)$597.50
Prepaid interest, first (26 days)$324.21
Fees + prepaids$9,536.71
Your down payment is the seller’s equity. You take over the $94,232 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $154,304.76 is due at closing. Uses and sources reconcile at $248,536.71 each. Not a Closing Disclosure.