Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$120,682Cash toward the purchase price.
Closing costs + prepaids$8,632Not just lender fees.
Before credits & paid funds$129,313The complete starting cash picture.
Estimated remaining funds due at closing
$129,313No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,681.76
Your down payment$120,681.76
Closing costs + prepaids$8,631.53
Total buyer cash needed$129,313.29
Remaining funds due$129,313.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,610.00
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)$699.50
Prepaid interest, first (24 days)$97.03
Fees + prepaids$8,631.53
Your down payment is the seller’s equity. You take over the $40,318 balance, so the rest of the $161,000 price is paid at closing. A second mortgage can cover part of it. $129,313.29 is due at closing. Uses and sources reconcile at $169,631.53 each. Not a Closing Disclosure.