Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$141,064Cash toward the purchase price.
Closing costs + prepaids$9,541Not just lender fees.
Before credits & paid funds$150,604The complete starting cash picture.
Estimated remaining funds due at closing
$150,604No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,063.52
Your down payment$141,063.52
Closing costs + prepaids$9,540.93
Total buyer cash needed$150,604.45
Remaining funds due$150,604.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,300.00
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)$575.00
Prepaid interest, first (29 days)$440.93
Fees + prepaids$9,540.93
Your down payment is the seller’s equity. You take over the $88,936 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $150,604.45 is due at closing. Uses and sources reconcile at $239,540.93 each. Not a Closing Disclosure.