Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$146,499Cash toward the purchase price.
Closing costs + prepaids$10,035Not just lender fees.
Before credits & paid funds$156,534The complete starting cash picture.
Estimated remaining funds due at closing
$156,534No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,498.83
Your down payment$146,498.83
Closing costs + prepaids$10,034.93
Total buyer cash needed$156,533.76
Remaining funds due$156,533.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,299.00
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)$480.25
Initial HOA (3 months)$801.00
Prepaid interest, first (28 days)$229.68
Fees + prepaids$10,034.93
Your down payment is the seller’s equity. You take over the $83,401 balance, so the rest of the $229,900 price is paid at closing. A second mortgage can cover part of it. $156,533.76 is due at closing. Uses and sources reconcile at $239,934.93 each. Not a Closing Disclosure.