Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$128,484Cash toward the purchase price.
Closing costs + prepaids$9,468Not just lender fees.
Before credits & paid funds$137,952The complete starting cash picture.
Estimated remaining funds due at closing
$137,952No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,484.22
Your down payment$128,484.22
Closing costs + prepaids$9,468.16
Total buyer cash needed$137,952.38
Remaining funds due$137,952.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,849.00
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)$96.50
Prepaid interest, first (23 days)$297.66
Fees + prepaids$9,468.16
Your down payment is the seller’s equity. You take over the $156,416 balance, so the rest of the $284,900 price is paid at closing. A second mortgage can cover part of it. $137,952.38 is due at closing. Uses and sources reconcile at $294,368.16 each. Not a Closing Disclosure.