Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$140,844Cash toward the purchase price.
Closing costs + prepaids$9,392Not just lender fees.
Before credits & paid funds$150,236The complete starting cash picture.
Estimated remaining funds due at closing
$150,236No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,843.77
Your down payment$140,843.77
Closing costs + prepaids$9,392.28
Total buyer cash needed$150,236.05
Remaining funds due$150,236.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,090.00
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)$858.25
Prepaid interest, first (30 days)$219.03
Fees + prepaids$9,392.28
Your down payment is the seller’s equity. You take over the $68,156 balance, so the rest of the $209,000 price is paid at closing. A second mortgage can cover part of it. $150,236.05 is due at closing. Uses and sources reconcile at $218,392.28 each. Not a Closing Disclosure.