Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$8,737Cash toward the purchase price.
Closing costs + prepaids$8,847Not just lender fees.
Before credits & paid funds$17,584The complete starting cash picture.
Estimated remaining funds due at closing
$17,584No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,736.72
Your down payment$8,736.72
Closing costs + prepaids$8,847.13
Total buyer cash needed$17,583.86
Remaining funds due$17,583.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,299.00
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)$270.75
Initial HOA (3 months)$438.00
Prepaid interest, first (28 days)$614.38
Fees + prepaids$8,847.13
Your down payment is the seller’s equity. You take over the $121,163 balance, so the rest of the $129,900 price is paid at closing. A second mortgage can cover part of it. $17,583.86 is due at closing. Uses and sources reconcile at $138,747.13 each. Not a Closing Disclosure.