Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$137,274Cash toward the purchase price.
Closing costs + prepaids$9,506Not just lender fees.
Before credits & paid funds$146,779The complete starting cash picture.
Estimated remaining funds due at closing
$146,779No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,273.52
Your down payment$137,273.52
Closing costs + prepaids$9,505.90
Total buyer cash needed$146,779.41
Remaining funds due$146,779.41
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)$521.00
Prepaid interest, first (30 days)$309.90
Fees + prepaids$9,505.90
Your down payment is the seller’s equity. You take over the $107,726 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $146,779.41 is due at closing. Uses and sources reconcile at $254,505.90 each. Not a Closing Disclosure.