Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$138,145Cash toward the purchase price.
Closing costs + prepaids$9,872Not just lender fees.
Before credits & paid funds$148,017The complete starting cash picture.
Estimated remaining funds due at closing
$148,017No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,145.13
Your down payment$138,145.13
Closing costs + prepaids$9,871.66
Total buyer cash needed$148,016.79
Remaining funds due$148,016.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,379.00
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)$523.50
Initial HOA (3 months)$408.00
Prepaid interest, first (30 days)$336.16
Fees + prepaids$9,871.66
Your down payment is the seller’s equity. You take over the $99,755 balance, so the rest of the $237,900 price is paid at closing. A second mortgage can cover part of it. $148,016.79 is due at closing. Uses and sources reconcile at $247,771.66 each. Not a Closing Disclosure.