Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$135,300Cash toward the purchase price.
Closing costs + prepaids$9,514Not just lender fees.
Before credits & paid funds$144,814The complete starting cash picture.
Estimated remaining funds due at closing
$144,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,299.89
Your down payment$135,299.89
Closing costs + prepaids$9,514.32
Total buyer cash needed$144,814.20
Remaining funds due$144,814.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,270.00
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)$832.50
Prepaid interest, first (22 days)$186.82
Fees + prepaids$9,514.32
Your down payment is the seller’s equity. You take over the $91,700 balance, so the rest of the $227,000 price is paid at closing. A second mortgage can cover part of it. $144,814.20 is due at closing. Uses and sources reconcile at $236,514.32 each. Not a Closing Disclosure.