Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$134,826Cash toward the purchase price.
Closing costs + prepaids$9,638Not just lender fees.
Before credits & paid funds$144,464The complete starting cash picture.
Estimated remaining funds due at closing
$144,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,825.58
Your down payment$134,825.58
Closing costs + prepaids$9,638.03
Total buyer cash needed$144,463.61
Remaining funds due$144,463.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,340.00
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)$631.50
Prepaid interest, first (25 days)$441.53
Fees + prepaids$9,638.03
Your down payment is the seller’s equity. You take over the $99,174 balance, so the rest of the $234,000 price is paid at closing. A second mortgage can cover part of it. $144,463.61 is due at closing. Uses and sources reconcile at $243,638.03 each. Not a Closing Disclosure.