Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$126,502Cash toward the purchase price.
Closing costs + prepaids$11,096Not just lender fees.
Before credits & paid funds$137,599The complete starting cash picture.
Estimated remaining funds due at closing
$137,599No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,502.41
Your down payment$126,502.41
Closing costs + prepaids$11,096.34
Total buyer cash needed$137,598.75
Remaining funds due$137,598.75
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)$828.75
Initial HOA (3 months)$1,350.00
Prepaid interest, first (25 days)$293.59
Fees + prepaids$11,096.34
Your down payment is the seller’s equity. You take over the $113,398 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $137,598.75 is due at closing. Uses and sources reconcile at $250,996.34 each. Not a Closing Disclosure.