Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$152,688Cash toward the purchase price.
Closing costs + prepaids$9,679Not just lender fees.
Before credits & paid funds$162,367The complete starting cash picture.
Estimated remaining funds due at closing
$162,367No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,687.80
Your down payment$152,687.80
Closing costs + prepaids$9,678.77
Total buyer cash needed$162,366.57
Remaining funds due$162,366.57
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)$837.75
Prepaid interest, first (27 days)$226.02
Fees + prepaids$9,678.77
Your down payment is the seller’s equity. You take over the $86,312 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $162,366.57 is due at closing. Uses and sources reconcile at $248,678.77 each. Not a Closing Disclosure.