Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$135,142Cash toward the purchase price.
Closing costs + prepaids$7,804Not just lender fees.
Before credits & paid funds$142,945The complete starting cash picture.
Estimated remaining funds due at closing
$142,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,141.55
Your down payment$135,141.55
Closing costs + prepaids$7,803.52
Total buyer cash needed$142,945.07
Remaining funds due$142,945.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,385.00
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)$179.00
Prepaid interest, first (23 days)$14.52
Fees + prepaids$7,803.52
Your down payment is the seller’s equity. You take over the $3,358 balance, so the rest of the $138,500 price is paid at closing. A second mortgage can cover part of it. $142,945.07 is due at closing. Uses and sources reconcile at $146,303.52 each. Not a Closing Disclosure.