Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$114,860Cash toward the purchase price.
Closing costs + prepaids$9,298Not just lender fees.
Before credits & paid funds$124,158The complete starting cash picture.
Estimated remaining funds due at closing
$124,158No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,860.22
Your down payment$114,860.22
Closing costs + prepaids$9,298.23
Total buyer cash needed$124,158.45
Remaining funds due$124,158.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,450.00
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)$612.50
Prepaid interest, first (1 days)$10.73
Fees + prepaids$9,298.23
Your down payment is the seller’s equity. You take over the $130,140 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $124,158.45 is due at closing. Uses and sources reconcile at $254,298.23 each. Not a Closing Disclosure.