Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$127,055Cash toward the purchase price.
Closing costs + prepaids$9,373Not just lender fees.
Before credits & paid funds$136,428The complete starting cash picture.
Estimated remaining funds due at closing
$136,428No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,054.69
Your down payment$127,054.69
Closing costs + prepaids$9,372.90
Total buyer cash needed$136,427.58
Remaining funds due$136,427.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,450.00
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)$403.00
Prepaid interest, first (26 days)$294.90
Fees + prepaids$9,372.90
Your down payment is the seller’s equity. You take over the $117,945 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $136,427.58 is due at closing. Uses and sources reconcile at $254,372.90 each. Not a Closing Disclosure.