Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$129,375Cash toward the purchase price.
Closing costs + prepaids$10,762Not just lender fees.
Before credits & paid funds$140,137The complete starting cash picture.
Estimated remaining funds due at closing
$140,137No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,375.34
Your down payment$129,375.34
Closing costs + prepaids$10,761.99
Total buyer cash needed$140,137.33
Remaining funds due$140,137.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,549.50
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)$1,644.00
Prepaid interest, first (26 days)$343.49
Fees + prepaids$10,761.99
Your down payment is the seller’s equity. You take over the $125,575 balance, so the rest of the $254,950 price is paid at closing. A second mortgage can cover part of it. $140,137.33 is due at closing. Uses and sources reconcile at $265,711.99 each. Not a Closing Disclosure.