Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$110,991Cash toward the purchase price.
Closing costs + prepaids$7,801Not just lender fees.
Before credits & paid funds$118,792The complete starting cash picture.
Estimated remaining funds due at closing
$118,792No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,990.90
Your down payment$110,990.90
Closing costs + prepaids$7,800.87
Total buyer cash needed$118,791.77
Remaining funds due$118,791.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,390.00
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)$68.75
Prepaid interest, first (26 days)$117.12
Fees + prepaids$7,800.87
Your down payment is the seller’s equity. You take over the $28,009 balance, so the rest of the $139,000 price is paid at closing. A second mortgage can cover part of it. $118,791.77 is due at closing. Uses and sources reconcile at $146,800.87 each. Not a Closing Disclosure.