Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$129,063Cash toward the purchase price.
Closing costs + prepaids$10,281Not just lender fees.
Before credits & paid funds$139,344The complete starting cash picture.
Estimated remaining funds due at closing
$139,344No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,062.91
Your down payment$129,062.91
Closing costs + prepaids$10,281.42
Total buyer cash needed$139,344.34
Remaining funds due$139,344.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,450.00
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)$1,139.50
Prepaid interest, first (28 days)$466.92
Fees + prepaids$10,281.42
Your down payment is the seller’s equity. You take over the $115,937 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $139,344.34 is due at closing. Uses and sources reconcile at $255,281.42 each. Not a Closing Disclosure.