Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$136,920Cash toward the purchase price.
Closing costs + prepaids$8,846Not just lender fees.
Before credits & paid funds$145,766The complete starting cash picture.
Estimated remaining funds due at closing
$145,766No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,920.34
Your down payment$136,920.34
Closing costs + prepaids$8,845.53
Total buyer cash needed$145,765.87
Remaining funds due$145,765.87
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 (1 days)$19.53
Fees + prepaids$8,845.53
Your down payment is the seller’s equity. You take over the $112,080 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $145,765.87 is due at closing. Uses and sources reconcile at $257,845.53 each. Not a Closing Disclosure.