Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$123,928Cash toward the purchase price.
Closing costs + prepaids$10,235Not just lender fees.
Before credits & paid funds$134,163The complete starting cash picture.
Estimated remaining funds due at closing
$134,163No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,928.13
Your down payment$123,928.13
Closing costs + prepaids$10,235.17
Total buyer cash needed$134,163.31
Remaining funds due$134,163.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,590.00
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)$1,062.25
Prepaid interest, first (24 days)$357.92
Fees + prepaids$10,235.17
Your down payment is the seller’s equity. You take over the $135,072 balance, so the rest of the $259,000 price is paid at closing. A second mortgage can cover part of it. $134,163.31 is due at closing. Uses and sources reconcile at $269,235.17 each. Not a Closing Disclosure.