Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$134,754Cash toward the purchase price.
Closing costs + prepaids$9,220Not just lender fees.
Before credits & paid funds$143,974The complete starting cash picture.
Estimated remaining funds due at closing
$143,974No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,753.71
Your down payment$134,753.71
Closing costs + prepaids$9,220.37
Total buyer cash needed$143,974.08
Remaining funds due$143,974.08
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)$202.00
Initial HOA (3 months)$90.00
Prepaid interest, first (26 days)$313.37
Fees + prepaids$9,220.37
Your down payment is the seller’s equity. You take over the $104,246 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $143,974.08 is due at closing. Uses and sources reconcile at $248,220.37 each. Not a Closing Disclosure.