Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$125,100Cash toward the purchase price.
Closing costs + prepaids$9,269Not just lender fees.
Before credits & paid funds$134,370The complete starting cash picture.
Estimated remaining funds due at closing
$134,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,100.47
Your down payment$125,100.47
Closing costs + prepaids$9,269.43
Total buyer cash needed$134,369.90
Remaining funds due$134,369.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,449.99
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)$210.50
Prepaid interest, first (24 days)$383.94
Fees + prepaids$9,269.43
Your down payment is the seller’s equity. You take over the $119,899 balance, so the rest of the $244,999 price is paid at closing. A second mortgage can cover part of it. $134,369.90 is due at closing. Uses and sources reconcile at $254,268.43 each. Not a Closing Disclosure.