Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$140,703Cash toward the purchase price.
Closing costs + prepaids$10,104Not just lender fees.
Before credits & paid funds$150,807The complete starting cash picture.
Estimated remaining funds due at closing
$150,807No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,702.55
Your down payment$140,702.55
Closing costs + prepaids$10,104.12
Total buyer cash needed$150,806.66
Remaining funds due$150,806.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,390.00
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)$228.00
Initial HOA (3 months)$984.00
Prepaid interest, first (30 days)$277.12
Fees + prepaids$10,104.12
Your down payment is the seller’s equity. You take over the $98,297 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $150,806.66 is due at closing. Uses and sources reconcile at $249,104.12 each. Not a Closing Disclosure.