Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$115,943Cash toward the purchase price.
Closing costs + prepaids$9,393Not just lender fees.
Before credits & paid funds$125,336The complete starting cash picture.
Estimated remaining funds due at closing
$125,336No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,943.34
Your down payment$115,943.34
Closing costs + prepaids$9,392.75
Total buyer cash needed$125,336.09
Remaining funds due$125,336.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$138.25
Prepaid interest, first (31 days)$679.50
Fees + prepaids$9,392.75
Your down payment is the seller’s equity. You take over the $119,057 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $125,336.09 is due at closing. Uses and sources reconcile at $244,392.75 each. Not a Closing Disclosure.