Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$89,739Cash toward the purchase price.
Closing costs + prepaids$9,359Not just lender fees.
Before credits & paid funds$99,098The complete starting cash picture.
Estimated remaining funds due at closing
$99,098No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,738.88
Your down payment$89,738.88
Closing costs + prepaids$9,358.86
Total buyer cash needed$99,097.74
Remaining funds due$99,097.74
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)$305.75
Prepaid interest, first (27 days)$528.11
Fees + prepaids$9,358.86
Your down payment is the seller’s equity. You take over the $140,261 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $99,097.74 is due at closing. Uses and sources reconcile at $239,358.86 each. Not a Closing Disclosure.