Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$99,252Cash toward the purchase price.
Closing costs + prepaids$9,490Not just lender fees.
Before credits & paid funds$108,741The complete starting cash picture.
Estimated remaining funds due at closing
$108,741No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,251.72
Your down payment$99,251.72
Closing costs + prepaids$9,489.65
Total buyer cash needed$108,741.38
Remaining funds due$108,741.38
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)$295.75
Prepaid interest, first (24 days)$578.90
Fees + prepaids$9,489.65
Your down payment is the seller’s equity. You take over the $139,748 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $108,741.38 is due at closing. Uses and sources reconcile at $248,489.65 each. Not a Closing Disclosure.