Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$138,536Cash toward the purchase price.
Closing costs + prepaids$9,061Not just lender fees.
Before credits & paid funds$147,597The complete starting cash picture.
Estimated remaining funds due at closing
$147,597No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,535.92
Your down payment$138,535.92
Closing costs + prepaids$9,060.74
Total buyer cash needed$147,596.67
Remaining funds due$147,596.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,349.00
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)$293.75
Prepaid interest, first (17 days)$192.99
Fees + prepaids$9,060.74
Your down payment is the seller’s equity. You take over the $96,364 balance, so the rest of the $234,900 price is paid at closing. A second mortgage can cover part of it. $147,596.67 is due at closing. Uses and sources reconcile at $243,960.74 each. Not a Closing Disclosure.