Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$136,915Cash toward the purchase price.
Closing costs + prepaids$10,281Not just lender fees.
Before credits & paid funds$147,196The complete starting cash picture.
Estimated remaining funds due at closing
$147,196No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,914.73
Your down payment$136,914.73
Closing costs + prepaids$10,281.33
Total buyer cash needed$147,196.06
Remaining funds due$147,196.06
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)$619.00
Initial HOA (3 months)$810.00
Prepaid interest, first (30 days)$277.33
Fees + prepaids$10,281.33
Your down payment is the seller’s equity. You take over the $98,085 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $147,196.06 is due at closing. Uses and sources reconcile at $245,281.33 each. Not a Closing Disclosure.