Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$126,082Cash toward the purchase price.
Closing costs + prepaids$10,755Not just lender fees.
Before credits & paid funds$136,837The complete starting cash picture.
Estimated remaining funds due at closing
$136,837No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,081.60
Your down payment$126,081.60
Closing costs + prepaids$10,755.30
Total buyer cash needed$136,836.90
Remaining funds due$136,836.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,049.00
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)$937.50
Prepaid interest, first (25 days)$543.80
Fees + prepaids$10,755.30
Your down payment is the seller’s equity. You take over the $178,818 balance, so the rest of the $304,900 price is paid at closing. A second mortgage can cover part of it. $136,836.90 is due at closing. Uses and sources reconcile at $315,655.30 each. Not a Closing Disclosure.