Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$140,475Cash toward the purchase price.
Closing costs + prepaids$9,262Not just lender fees.
Before credits & paid funds$149,736The complete starting cash picture.
Estimated remaining funds due at closing
$149,736No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,474.82
Your down payment$140,474.82
Closing costs + prepaids$9,261.67
Total buyer cash needed$149,736.50
Remaining funds due$149,736.50
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)$100.25
Prepaid interest, first (31 days)$546.42
Fees + prepaids$9,261.67
Your down payment is the seller’s equity. You take over the $98,525 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $149,736.50 is due at closing. Uses and sources reconcile at $248,261.67 each. Not a Closing Disclosure.