Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$87,236Cash toward the purchase price.
Closing costs + prepaids$9,332Not just lender fees.
Before credits & paid funds$96,567The complete starting cash picture.
Estimated remaining funds due at closing
$96,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,235.64
Your down payment$87,235.64
Closing costs + prepaids$9,331.53
Total buyer cash needed$96,567.17
Remaining funds due$96,567.17
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)$611.75
Prepaid interest, first (5 days)$95.78
Fees + prepaids$9,331.53
Your down payment is the seller’s equity. You take over the $152,664 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $96,567.17 is due at closing. Uses and sources reconcile at $249,231.53 each. Not a Closing Disclosure.