Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$100,400Cash toward the purchase price.
Closing costs + prepaids$9,331Not just lender fees.
Before credits & paid funds$109,731The complete starting cash picture.
Estimated remaining funds due at closing
$109,731No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,400.22
Your down payment$100,400.22
Closing costs + prepaids$9,331.22
Total buyer cash needed$109,731.44
Remaining funds due$109,731.44
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)$414.50
Prepaid interest, first (23 days)$292.72
Fees + prepaids$9,331.22
Your down payment is the seller’s equity. You take over the $139,500 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $109,731.44 is due at closing. Uses and sources reconcile at $249,231.22 each. Not a Closing Disclosure.