Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$135,933Cash toward the purchase price.
Closing costs + prepaids$9,705Not just lender fees.
Before credits & paid funds$145,637The complete starting cash picture.
Estimated remaining funds due at closing
$145,637No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,932.62
Your down payment$135,932.62
Closing costs + prepaids$9,704.58
Total buyer cash needed$145,637.20
Remaining funds due$145,637.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$856.75
Prepaid interest, first (28 days)$272.83
Fees + prepaids$9,704.58
Your down payment is the seller’s equity. You take over the $99,067 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $145,637.20 is due at closing. Uses and sources reconcile at $244,704.58 each. Not a Closing Disclosure.