Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$90,038Cash toward the purchase price.
Closing costs + prepaids$11,698Not just lender fees.
Before credits & paid funds$101,735The complete starting cash picture.
Estimated remaining funds due at closing
$101,735No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,037.51
Your down payment$90,037.51
Closing costs + prepaids$11,697.54
Total buyer cash needed$101,735.05
Remaining funds due$101,735.05
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)$286.75
Initial HOA (3 months)$2,595.00
Prepaid interest, first (12 days)$200.79
Fees + prepaids$11,697.54
Your down payment is the seller’s equity. You take over the $148,962 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $101,735.05 is due at closing. Uses and sources reconcile at $250,697.54 each. Not a Closing Disclosure.