Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$128,488Cash toward the purchase price.
Closing costs + prepaids$8,457Not just lender fees.
Before credits & paid funds$136,945The complete starting cash picture.
Estimated remaining funds due at closing
$136,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,487.69
Your down payment$128,487.69
Closing costs + prepaids$8,456.84
Total buyer cash needed$136,944.53
Remaining funds due$136,944.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,690.00
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)$422.50
Prepaid interest, first (28 days)$119.34
Fees + prepaids$8,456.84
Your down payment is the seller’s equity. You take over the $40,512 balance, so the rest of the $169,000 price is paid at closing. A second mortgage can cover part of it. $136,944.53 is due at closing. Uses and sources reconcile at $177,456.84 each. Not a Closing Disclosure.