Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$130,533Cash toward the purchase price.
Closing costs + prepaids$8,493Not just lender fees.
Before credits & paid funds$139,025The complete starting cash picture.
Estimated remaining funds due at closing
$139,025No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,532.66
Your down payment$130,532.66
Closing costs + prepaids$8,492.62
Total buyer cash needed$139,025.28
Remaining funds due$139,025.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,549.00
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)$207.00
Initial HOA (3 months)$450.00
Prepaid interest, first (26 days)$61.62
Fees + prepaids$8,492.62
Your down payment is the seller’s equity. You take over the $24,367 balance, so the rest of the $154,900 price is paid at closing. A second mortgage can cover part of it. $139,025.28 is due at closing. Uses and sources reconcile at $163,392.62 each. Not a Closing Disclosure.