Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$129,773Cash toward the purchase price.
Closing costs + prepaids$11,073Not just lender fees.
Before credits & paid funds$140,845The complete starting cash picture.
Estimated remaining funds due at closing
$140,845No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,772.64
Your down payment$129,772.64
Closing costs + prepaids$11,072.77
Total buyer cash needed$140,845.41
Remaining funds due$140,845.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,849.95
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)$1,536.75
Prepaid interest, first (26 days)$461.07
Fees + prepaids$11,072.77
Your down payment is the seller’s equity. You take over the $155,222 balance, so the rest of the $284,995 price is paid at closing. A second mortgage can cover part of it. $140,845.41 is due at closing. Uses and sources reconcile at $296,067.77 each. Not a Closing Disclosure.