Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$134,671Cash toward the purchase price.
Closing costs + prepaids$9,216Not just lender fees.
Before credits & paid funds$143,887The complete starting cash picture.
Estimated remaining funds due at closing
$143,887No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,670.85
Your down payment$134,670.85
Closing costs + prepaids$9,215.92
Total buyer cash needed$143,886.77
Remaining funds due$143,886.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,249.00
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)$478.50
Prepaid interest, first (24 days)$263.42
Fees + prepaids$9,215.92
Your down payment is the seller’s equity. You take over the $90,229 balance, so the rest of the $224,900 price is paid at closing. A second mortgage can cover part of it. $143,886.77 is due at closing. Uses and sources reconcile at $234,115.92 each. Not a Closing Disclosure.