Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$95,949Cash toward the purchase price.
Closing costs + prepaids$7,866Not just lender fees.
Before credits & paid funds$103,815The complete starting cash picture.
Estimated remaining funds due at closing
$103,815No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,949.12
Your down payment$95,949.12
Closing costs + prepaids$7,866.19
Total buyer cash needed$103,815.30
Remaining funds due$103,815.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,300.00
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)$201.25
Prepaid interest, first (24 days)$139.94
Fees + prepaids$7,866.19
Your down payment is the seller’s equity. You take over the $34,051 balance, so the rest of the $130,000 price is paid at closing. A second mortgage can cover part of it. $103,815.30 is due at closing. Uses and sources reconcile at $137,866.19 each. Not a Closing Disclosure.