Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$131,633Cash toward the purchase price.
Closing costs + prepaids$9,250Not just lender fees.
Before credits & paid funds$140,882The complete starting cash picture.
Estimated remaining funds due at closing
$140,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,632.71
Your down payment$131,632.71
Closing costs + prepaids$9,249.76
Total buyer cash needed$140,882.47
Remaining funds due$140,882.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,299.00
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)$425.75
Initial HOA (3 months)$3.00
Prepaid interest, first (28 days)$297.01
Fees + prepaids$9,249.76
Your down payment is the seller’s equity. You take over the $98,267 balance, so the rest of the $229,900 price is paid at closing. A second mortgage can cover part of it. $140,882.47 is due at closing. Uses and sources reconcile at $239,149.76 each. Not a Closing Disclosure.