Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$121,626Cash toward the purchase price.
Closing costs + prepaids$8,150Not just lender fees.
Before credits & paid funds$129,775The complete starting cash picture.
Estimated remaining funds due at closing
$129,775No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,625.66
Your down payment$121,625.66
Closing costs + prepaids$8,149.62
Total buyer cash needed$129,775.28
Remaining funds due$129,775.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,599.00
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)$156.00
Prepaid interest, first (24 days)$169.62
Fees + prepaids$8,149.62
Your down payment is the seller’s equity. You take over the $38,274 balance, so the rest of the $159,900 price is paid at closing. A second mortgage can cover part of it. $129,775.28 is due at closing. Uses and sources reconcile at $168,049.62 each. Not a Closing Disclosure.