Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$107,415Cash toward the purchase price.
Closing costs + prepaids$10,434Not just lender fees.
Before credits & paid funds$117,849The complete starting cash picture.
Estimated remaining funds due at closing
$117,849No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,415.03
Your down payment$107,415.03
Closing costs + prepaids$10,434.04
Total buyer cash needed$117,849.07
Remaining funds due$117,849.07
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)$654.50
Initial HOA (3 months)$855.00
Prepaid interest, first (24 days)$300.54
Fees + prepaids$10,434.04
Your down payment is the seller’s equity. You take over the $132,485 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $117,849.07 is due at closing. Uses and sources reconcile at $250,334.04 each. Not a Closing Disclosure.