Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$130,475Cash toward the purchase price.
Closing costs + prepaids$9,074Not just lender fees.
Before credits & paid funds$139,548The complete starting cash picture.
Estimated remaining funds due at closing
$139,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,474.82
Your down payment$130,474.82
Closing costs + prepaids$9,073.54
Total buyer cash needed$139,548.37
Remaining funds due$139,548.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,290.00
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)$100.25
Prepaid interest, first (26 days)$458.29
Fees + prepaids$9,073.54
Your down payment is the seller’s equity. You take over the $98,525 balance, so the rest of the $229,000 price is paid at closing. A second mortgage can cover part of it. $139,548.37 is due at closing. Uses and sources reconcile at $238,073.54 each. Not a Closing Disclosure.