Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$119,222Cash toward the purchase price.
Closing costs + prepaids$9,639Not just lender fees.
Before credits & paid funds$128,861The complete starting cash picture.
Estimated remaining funds due at closing
$128,861No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,222.29
Your down payment$119,222.29
Closing costs + prepaids$9,638.93
Total buyer cash needed$128,861.22
Remaining funds due$128,861.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$625.00
Prepaid interest, first (28 days)$288.93
Fees + prepaids$9,638.93
Your down payment is the seller’s equity. You take over the $130,778 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $128,861.22 is due at closing. Uses and sources reconcile at $259,638.93 each. Not a Closing Disclosure.