Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$33,651Cash toward the purchase price.
Closing costs + prepaids$8,126Not just lender fees.
Before credits & paid funds$41,777The complete starting cash picture.
Estimated remaining funds due at closing
$41,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,650.67
Your down payment$33,650.67
Closing costs + prepaids$8,125.92
Total buyer cash needed$41,776.59
Remaining funds due$41,776.59
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)$377.25
Prepaid interest, first (24 days)$224.67
Fees + prepaids$8,125.92
Your down payment is the seller’s equity. You take over the $96,249 balance, so the rest of the $129,900 price is paid at closing. A second mortgage can cover part of it. $41,776.59 is due at closing. Uses and sources reconcile at $138,025.92 each. Not a Closing Disclosure.