Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$107,676Cash toward the purchase price.
Closing costs + prepaids$9,550Not just lender fees.
Before credits & paid funds$117,226The complete starting cash picture.
Estimated remaining funds due at closing
$117,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,675.79
Your down payment$107,675.79
Closing costs + prepaids$9,550.14
Total buyer cash needed$117,225.93
Remaining funds due$117,225.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,399.00
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)$511.75
Prepaid interest, first (31 days)$414.39
Fees + prepaids$9,550.14
Your down payment is the seller’s equity. You take over the $132,224 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $117,225.93 is due at closing. Uses and sources reconcile at $249,450.14 each. Not a Closing Disclosure.