Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$102,090Cash toward the purchase price.
Closing costs + prepaids$10,182Not just lender fees.
Before credits & paid funds$112,272The complete starting cash picture.
Estimated remaining funds due at closing
$112,272No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,090.30
Your down payment$102,090.30
Closing costs + prepaids$10,182.16
Total buyer cash needed$112,272.46
Remaining funds due$112,272.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,399.99
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)$230.25
Initial HOA (3 months)$954.00
Prepaid interest, first (30 days)$372.92
Fees + prepaids$10,182.16
Your down payment is the seller’s equity. You take over the $137,909 balance, so the rest of the $239,999 price is paid at closing. A second mortgage can cover part of it. $112,272.46 is due at closing. Uses and sources reconcile at $250,181.16 each. Not a Closing Disclosure.