Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$87,236Cash toward the purchase price.
Closing costs + prepaids$10,340Not just lender fees.
Before credits & paid funds$97,576The complete starting cash picture.
Estimated remaining funds due at closing
$97,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,235.64
Your down payment$87,235.64
Closing costs + prepaids$10,339.91
Total buyer cash needed$97,575.55
Remaining funds due$97,575.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,399.00
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)$1,237.00
Prepaid interest, first (25 days)$478.91
Fees + prepaids$10,339.91
Your down payment is the seller’s equity. You take over the $152,664 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $97,575.55 is due at closing. Uses and sources reconcile at $250,239.91 each. Not a Closing Disclosure.