Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$129,849Cash toward the purchase price.
Closing costs + prepaids$9,113Not just lender fees.
Before credits & paid funds$138,963The complete starting cash picture.
Estimated remaining funds due at closing
$138,963No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,849.48
Your down payment$129,849.48
Closing costs + prepaids$9,113.47
Total buyer cash needed$138,962.94
Remaining funds due$138,962.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,300.00
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)$379.00
Prepaid interest, first (22 days)$209.47
Fees + prepaids$9,113.47
Your down payment is the seller’s equity. You take over the $100,151 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $138,962.94 is due at closing. Uses and sources reconcile at $239,113.47 each. Not a Closing Disclosure.