Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$153,972Cash toward the purchase price.
Closing costs + prepaids$9,213Not just lender fees.
Before credits & paid funds$163,185The complete starting cash picture.
Estimated remaining funds due at closing
$163,185No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,972.15
Your down payment$153,972.15
Closing costs + prepaids$9,212.85
Total buyer cash needed$163,184.99
Remaining funds due$163,184.99
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)$380.50
Prepaid interest, first (25 days)$208.35
Fees + prepaids$9,212.85
Your down payment is the seller’s equity. You take over the $85,928 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $163,184.99 is due at closing. Uses and sources reconcile at $249,112.85 each. Not a Closing Disclosure.