Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$99,252Cash toward the purchase price.
Closing costs + prepaids$9,401Not just lender fees.
Before credits & paid funds$108,653The complete starting cash picture.
Estimated remaining funds due at closing
$108,653No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,251.72
Your down payment$99,251.72
Closing costs + prepaids$9,400.94
Total buyer cash needed$108,652.67
Remaining funds due$108,652.67
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)$448.25
Prepaid interest, first (14 days)$337.69
Fees + prepaids$9,400.94
Your down payment is the seller’s equity. You take over the $139,748 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $108,652.67 is due at closing. Uses and sources reconcile at $248,400.94 each. Not a Closing Disclosure.