Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$99,759Cash toward the purchase price.
Closing costs + prepaids$7,934Not just lender fees.
Before credits & paid funds$107,694The complete starting cash picture.
Estimated remaining funds due at closing
$107,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,759.32
Your down payment$99,759.32
Closing costs + prepaids$7,934.44
Total buyer cash needed$107,693.77
Remaining funds due$107,693.77
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)$325.00
Prepaid interest, first (28 days)$84.44
Fees + prepaids$7,934.44
Your down payment is the seller’s equity. You take over the $30,241 balance, so the rest of the $130,000 price is paid at closing. A second mortgage can cover part of it. $107,693.77 is due at closing. Uses and sources reconcile at $137,934.44 each. Not a Closing Disclosure.