Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$110,847Cash toward the purchase price.
Closing costs + prepaids$9,089Not just lender fees.
Before credits & paid funds$119,936The complete starting cash picture.
Estimated remaining funds due at closing
$119,936No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,847.44
Your down payment$110,847.44
Closing costs + prepaids$9,088.83
Total buyer cash needed$119,936.28
Remaining funds due$119,936.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,399.00
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)$300.00
Prepaid interest, first (14 days)$164.83
Fees + prepaids$9,088.83
Your down payment is the seller’s equity. You take over the $129,053 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $119,936.28 is due at closing. Uses and sources reconcile at $248,988.83 each. Not a Closing Disclosure.