Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$120,990Cash toward the purchase price.
Closing costs + prepaids$9,878Not just lender fees.
Before credits & paid funds$130,868The complete starting cash picture.
Estimated remaining funds due at closing
$130,868No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,989.52
Your down payment$120,989.52
Closing costs + prepaids$9,878.06
Total buyer cash needed$130,867.59
Remaining funds due$130,867.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,509.50
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)$871.75
Prepaid interest, first (22 days)$271.81
Fees + prepaids$9,878.06
Your down payment is the seller’s equity. You take over the $129,960 balance, so the rest of the $250,950 price is paid at closing. A second mortgage can cover part of it. $130,867.59 is due at closing. Uses and sources reconcile at $260,828.06 each. Not a Closing Disclosure.