Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$83,625Cash toward the purchase price.
Closing costs + prepaids$9,127Not just lender fees.
Before credits & paid funds$92,753The complete starting cash picture.
Estimated remaining funds due at closing
$92,753No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,625.29
Your down payment$83,625.29
Closing costs + prepaids$9,127.49
Total buyer cash needed$92,752.78
Remaining funds due$92,752.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,390.00
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)$143.00
Prepaid interest, first (28 days)$369.49
Fees + prepaids$9,127.49
Your down payment is the seller’s equity. You take over the $155,375 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $92,752.78 is due at closing. Uses and sources reconcile at $248,127.49 each. Not a Closing Disclosure.