Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$126,149Cash toward the purchase price.
Closing costs + prepaids$8,189Not just lender fees.
Before credits & paid funds$134,338The complete starting cash picture.
Estimated remaining funds due at closing
$134,338No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,149.36
Your down payment$126,149.36
Closing costs + prepaids$8,188.85
Total buyer cash needed$134,338.21
Remaining funds due$134,338.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,650.00
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)$212.50
Prepaid interest, first (23 days)$101.35
Fees + prepaids$8,188.85
Your down payment is the seller’s equity. You take over the $38,851 balance, so the rest of the $165,000 price is paid at closing. A second mortgage can cover part of it. $134,338.21 is due at closing. Uses and sources reconcile at $173,188.85 each. Not a Closing Disclosure.