Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$133,626Cash toward the purchase price.
Closing costs + prepaids$9,402Not just lender fees.
Before credits & paid funds$143,027The complete starting cash picture.
Estimated remaining funds due at closing
$143,027No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,625.89
Your down payment$133,625.89
Closing costs + prepaids$9,401.60
Total buyer cash needed$143,027.48
Remaining funds due$143,027.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,449.00
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)$714.00
Prepaid interest, first (1 days)$13.60
Fees + prepaids$9,401.60
Your down payment is the seller’s equity. You take over the $111,274 balance, so the rest of the $244,900 price is paid at closing. A second mortgage can cover part of it. $143,027.48 is due at closing. Uses and sources reconcile at $254,301.60 each. Not a Closing Disclosure.