Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$134,629Cash toward the purchase price.
Closing costs + prepaids$9,987Not just lender fees.
Before credits & paid funds$144,617The complete starting cash picture.
Estimated remaining funds due at closing
$144,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,629.16
Your down payment$134,629.16
Closing costs + prepaids$9,987.45
Total buyer cash needed$144,616.61
Remaining funds due$144,616.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$826.25
Prepaid interest, first (23 days)$436.20
Fees + prepaids$9,987.45
Your down payment is the seller’s equity. You take over the $115,371 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $144,616.61 is due at closing. Uses and sources reconcile at $259,987.45 each. Not a Closing Disclosure.