Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$130,475Cash toward the purchase price.
Closing costs + prepaids$8,950Not just lender fees.
Before credits & paid funds$139,425The complete starting cash picture.
Estimated remaining funds due at closing
$139,425No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,474.82
Your down payment$130,474.82
Closing costs + prepaids$8,950.15
Total buyer cash needed$139,424.98
Remaining funds due$139,424.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,290.00
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)$100.25
Prepaid interest, first (19 days)$334.90
Fees + prepaids$8,950.15
Your down payment is the seller’s equity. You take over the $98,525 balance, so the rest of the $229,000 price is paid at closing. A second mortgage can cover part of it. $139,424.98 is due at closing. Uses and sources reconcile at $237,950.15 each. Not a Closing Disclosure.