Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$109,276Cash toward the purchase price.
Closing costs + prepaids$9,970Not just lender fees.
Before credits & paid funds$119,246The complete starting cash picture.
Estimated remaining funds due at closing
$119,246No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,275.94
Your down payment$109,275.94
Closing costs + prepaids$9,970.20
Total buyer cash needed$119,246.14
Remaining funds due$119,246.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,399.00
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)$967.50
Prepaid interest, first (22 days)$378.70
Fees + prepaids$9,970.20
Your down payment is the seller’s equity. You take over the $130,624 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $119,246.14 is due at closing. Uses and sources reconcile at $249,870.20 each. Not a Closing Disclosure.