Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$138,502Cash toward the purchase price.
Closing costs + prepaids$9,757Not just lender fees.
Before credits & paid funds$148,259The complete starting cash picture.
Estimated remaining funds due at closing
$148,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,501.78
Your down payment$138,501.78
Closing costs + prepaids$9,756.88
Total buyer cash needed$148,258.66
Remaining funds due$148,258.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,390.00
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)$761.75
Initial HOA (3 months)$18.75
Prepaid interest, first (25 days)$361.38
Fees + prepaids$9,756.88
Your down payment is the seller’s equity. You take over the $100,498 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $148,258.66 is due at closing. Uses and sources reconcile at $248,756.88 each. Not a Closing Disclosure.