Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$29,862Cash toward the purchase price.
Closing costs + prepaids$8,802Not just lender fees.
Before credits & paid funds$38,664The complete starting cash picture.
Estimated remaining funds due at closing
$38,664No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,862.18
Your down payment$29,862.18
Closing costs + prepaids$8,801.99
Total buyer cash needed$38,664.17
Remaining funds due$38,664.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,350.00
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)$907.00
Prepaid interest, first (23 days)$319.99
Fees + prepaids$8,801.99
Your down payment is the seller’s equity. You take over the $105,138 balance, so the rest of the $135,000 price is paid at closing. A second mortgage can cover part of it. $38,664.17 is due at closing. Uses and sources reconcile at $143,801.99 each. Not a Closing Disclosure.