Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$98,950Cash toward the purchase price.
Closing costs + prepaids$9,781Not just lender fees.
Before credits & paid funds$108,731The complete starting cash picture.
Estimated remaining funds due at closing
$108,731No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,949.79
Your down payment$98,949.79
Closing costs + prepaids$9,780.82
Total buyer cash needed$108,730.61
Remaining funds due$108,730.61
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)$104.25
Initial HOA (3 months)$849.00
Prepaid interest, first (20 days)$212.57
Fees + prepaids$9,780.82
Your down payment is the seller’s equity. You take over the $140,050 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $108,730.61 is due at closing. Uses and sources reconcile at $248,780.82 each. Not a Closing Disclosure.