Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$136,319Cash toward the purchase price.
Closing costs + prepaids$9,664Not just lender fees.
Before credits & paid funds$145,982The complete starting cash picture.
Estimated remaining funds due at closing
$145,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,318.64
Your down payment$136,318.64
Closing costs + prepaids$9,663.67
Total buyer cash needed$145,982.31
Remaining funds due$145,982.31
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
Initial HOA (3 months)$600.00
Prepaid interest, first (18 days)$195.92
Fees + prepaids$9,663.67
Your down payment is the seller’s equity. You take over the $98,581 balance, so the rest of the $234,900 price is paid at closing. A second mortgage can cover part of it. $145,982.31 is due at closing. Uses and sources reconcile at $244,563.67 each. Not a Closing Disclosure.