Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$119,403Cash toward the purchase price.
Closing costs + prepaids$9,298Not just lender fees.
Before credits & paid funds$128,701The complete starting cash picture.
Estimated remaining funds due at closing
$128,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,402.58
Your down payment$119,402.58
Closing costs + prepaids$9,298.05
Total buyer cash needed$128,700.63
Remaining funds due$128,700.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$42.50
Prepaid interest, first (22 days)$530.55
Fees + prepaids$9,298.05
Your down payment is the seller’s equity. You take over the $130,597 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $128,700.63 is due at closing. Uses and sources reconcile at $259,298.05 each. Not a Closing Disclosure.