Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$140,272Cash toward the purchase price.
Closing costs + prepaids$9,162Not just lender fees.
Before credits & paid funds$149,434The complete starting cash picture.
Estimated remaining funds due at closing
$149,434No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,271.93
Your down payment$140,271.93
Closing costs + prepaids$9,162.45
Total buyer cash needed$149,434.37
Remaining funds due$149,434.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,290.00
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)$584.00
Prepaid interest, first (5 days)$63.45
Fees + prepaids$9,162.45
Your down payment is the seller’s equity. You take over the $88,728 balance, so the rest of the $229,000 price is paid at closing. A second mortgage can cover part of it. $149,434.37 is due at closing. Uses and sources reconcile at $238,162.45 each. Not a Closing Disclosure.