Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$131,622Cash toward the purchase price.
Closing costs + prepaids$9,288Not just lender fees.
Before credits & paid funds$140,910The complete starting cash picture.
Estimated remaining funds due at closing
$140,910No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,622.13
Your down payment$131,622.13
Closing costs + prepaids$9,287.66
Total buyer cash needed$140,909.79
Remaining funds due$140,909.79
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)$51.91
Fees + prepaids$9,287.66
Your down payment is the seller’s equity. You take over the $108,278 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $140,909.79 is due at closing. Uses and sources reconcile at $249,187.66 each. Not a Closing Disclosure.