Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$129,255Cash toward the purchase price.
Closing costs + prepaids$9,458Not just lender fees.
Before credits & paid funds$138,713The complete starting cash picture.
Estimated remaining funds due at closing
$138,713No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,254.84
Your down payment$129,254.84
Closing costs + prepaids$9,457.95
Total buyer cash needed$138,712.78
Remaining funds due$138,712.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,480.00
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)$435.75
Prepaid interest, first (26 days)$317.20
Fees + prepaids$9,457.95
Your down payment is the seller’s equity. You take over the $118,745 balance, so the rest of the $248,000 price is paid at closing. A second mortgage can cover part of it. $138,712.78 is due at closing. Uses and sources reconcile at $257,457.95 each. Not a Closing Disclosure.