Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$98,427Cash toward the purchase price.
Closing costs + prepaids$10,396Not just lender fees.
Before credits & paid funds$108,823The complete starting cash picture.
Estimated remaining funds due at closing
$108,823No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,427.13
Your down payment$98,427.13
Closing costs + prepaids$10,396.34
Total buyer cash needed$108,823.47
Remaining funds due$108,823.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,380.00
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)$1,525.50
Prepaid interest, first (22 days)$265.84
Fees + prepaids$10,396.34
Your down payment is the seller’s equity. You take over the $139,573 balance, so the rest of the $238,000 price is paid at closing. A second mortgage can cover part of it. $108,823.47 is due at closing. Uses and sources reconcile at $248,396.34 each. Not a Closing Disclosure.