Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$135,220Cash toward the purchase price.
Closing costs + prepaids$10,572Not just lender fees.
Before credits & paid funds$145,792The complete starting cash picture.
Estimated remaining funds due at closing
$145,792No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,219.83
Your down payment$135,219.83
Closing costs + prepaids$10,572.13
Total buyer cash needed$145,791.96
Remaining funds due$145,791.96
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)$702.00
Initial HOA (3 months)$945.00
Prepaid interest, first (28 days)$301.13
Fees + prepaids$10,572.13
Your down payment is the seller’s equity. You take over the $104,680 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $145,791.96 is due at closing. Uses and sources reconcile at $250,472.13 each. Not a Closing Disclosure.