Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$137,584Cash toward the purchase price.
Closing costs + prepaids$9,214Not just lender fees.
Before credits & paid funds$146,798The complete starting cash picture.
Estimated remaining funds due at closing
$146,798No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,583.51
Your down payment$137,583.51
Closing costs + prepaids$9,214.28
Total buyer cash needed$146,797.79
Remaining funds due$146,797.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,490.00
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)$111.00
Prepaid interest, first (20 days)$388.28
Fees + prepaids$9,214.28
Your down payment is the seller’s equity. You take over the $111,416 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $146,797.79 is due at closing. Uses and sources reconcile at $258,214.28 each. Not a Closing Disclosure.