Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$135,777Cash toward the purchase price.
Closing costs + prepaids$10,347Not just lender fees.
Before credits & paid funds$146,124The complete starting cash picture.
Estimated remaining funds due at closing
$146,124No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,776.96
Your down payment$135,776.96
Closing costs + prepaids$10,346.75
Total buyer cash needed$146,123.72
Remaining funds due$146,123.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$1,579.25
Prepaid interest, first (31 days)$292.50
Fees + prepaids$10,346.75
Your down payment is the seller’s equity. You take over the $89,223 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $146,123.72 is due at closing. Uses and sources reconcile at $235,346.75 each. Not a Closing Disclosure.