Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$128,689Cash toward the purchase price.
Closing costs + prepaids$9,126Not just lender fees.
Before credits & paid funds$137,815The complete starting cash picture.
Estimated remaining funds due at closing
$137,815No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,689.31
Your down payment$128,689.31
Closing costs + prepaids$9,125.52
Total buyer cash needed$137,814.83
Remaining funds due$137,814.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,149.00
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)$537.25
Prepaid interest, first (24 days)$214.27
Fees + prepaids$9,125.52
Your down payment is the seller’s equity. You take over the $86,211 balance, so the rest of the $214,900 price is paid at closing. A second mortgage can cover part of it. $137,814.83 is due at closing. Uses and sources reconcile at $224,025.52 each. Not a Closing Disclosure.