Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$136,377Cash toward the purchase price.
Closing costs + prepaids$9,479Not just lender fees.
Before credits & paid funds$145,855The complete starting cash picture.
Estimated remaining funds due at closing
$145,855No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,376.72
Your down payment$136,376.72
Closing costs + prepaids$9,478.72
Total buyer cash needed$145,855.44
Remaining funds due$145,855.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,599.90
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)$438.50
Prepaid interest, first (22 days)$215.32
Fees + prepaids$9,478.72
Your down payment is the seller’s equity. You take over the $123,613 balance, so the rest of the $259,990 price is paid at closing. A second mortgage can cover part of it. $145,855.44 is due at closing. Uses and sources reconcile at $269,468.72 each. Not a Closing Disclosure.