Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$111,774Cash toward the purchase price.
Closing costs + prepaids$9,573Not just lender fees.
Before credits & paid funds$121,347The complete starting cash picture.
Estimated remaining funds due at closing
$121,347No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,774.09
Your down payment$111,774.09
Closing costs + prepaids$9,572.86
Total buyer cash needed$121,346.95
Remaining funds due$121,346.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,390.00
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)$698.25
Prepaid interest, first (28 days)$259.61
Fees + prepaids$9,572.86
Your down payment is the seller’s equity. You take over the $127,226 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $121,346.95 is due at closing. Uses and sources reconcile at $248,572.86 each. Not a Closing Disclosure.