Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$139,595Cash toward the purchase price.
Closing costs + prepaids$9,434Not just lender fees.
Before credits & paid funds$149,029The complete starting cash picture.
Estimated remaining funds due at closing
$149,029No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,594.65
Your down payment$139,594.65
Closing costs + prepaids$9,434.21
Total buyer cash needed$149,028.86
Remaining funds due$149,028.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$124.25
Initial HOA (3 months)$582.00
Prepaid interest, first (22 days)$152.96
Fees + prepaids$9,434.21
Your down payment is the seller’s equity. You take over the $95,405 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $149,028.86 is due at closing. Uses and sources reconcile at $244,434.21 each. Not a Closing Disclosure.