Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$138,586Cash toward the purchase price.
Closing costs + prepaids$9,991Not just lender fees.
Before credits & paid funds$148,576The complete starting cash picture.
Estimated remaining funds due at closing
$148,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,585.56
Your down payment$138,585.56
Closing costs + prepaids$9,990.86
Total buyer cash needed$148,576.42
Remaining funds due$148,576.42
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)$584.25
Initial HOA (3 months)$605.01
Prepaid interest, first (22 days)$276.60
Fees + prepaids$9,990.86
Your down payment is the seller’s equity. You take over the $91,414 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $148,576.42 is due at closing. Uses and sources reconcile at $239,990.86 each. Not a Closing Disclosure.