Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$121,634Cash toward the purchase price.
Closing costs + prepaids$10,434Not just lender fees.
Before credits & paid funds$132,067The complete starting cash picture.
Estimated remaining funds due at closing
$132,067No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,633.84
Your down payment$121,633.84
Closing costs + prepaids$10,433.61
Total buyer cash needed$132,067.45
Remaining funds due$132,067.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,190.00
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)$1,755.00
Prepaid interest, first (27 days)$263.61
Fees + prepaids$10,433.61
Your down payment is the seller’s equity. You take over the $97,366 balance, so the rest of the $219,000 price is paid at closing. A second mortgage can cover part of it. $132,067.45 is due at closing. Uses and sources reconcile at $229,433.61 each. Not a Closing Disclosure.