Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$134,019Cash toward the purchase price.
Closing costs + prepaids$9,589Not just lender fees.
Before credits & paid funds$143,609The complete starting cash picture.
Estimated remaining funds due at closing
$143,609No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,019.36
Your down payment$134,019.36
Closing costs + prepaids$9,589.38
Total buyer cash needed$143,608.74
Remaining funds due$143,608.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$826.25
Prepaid interest, first (2 days)$38.13
Fees + prepaids$9,589.38
Your down payment is the seller’s equity. You take over the $115,981 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $143,608.74 is due at closing. Uses and sources reconcile at $259,589.38 each. Not a Closing Disclosure.