Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$106,968Cash toward the purchase price.
Closing costs + prepaids$9,255Not just lender fees.
Before credits & paid funds$116,223The complete starting cash picture.
Estimated remaining funds due at closing
$116,223No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,968.23
Your down payment$106,968.23
Closing costs + prepaids$9,254.97
Total buyer cash needed$116,223.20
Remaining funds due$116,223.20
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)$348.75
Prepaid interest, first (27 days)$282.22
Fees + prepaids$9,254.97
Your down payment is the seller’s equity. You take over the $132,932 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $116,223.20 is due at closing. Uses and sources reconcile at $249,154.97 each. Not a Closing Disclosure.