Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$130,391Cash toward the purchase price.
Closing costs + prepaids$8,429Not just lender fees.
Before credits & paid funds$138,820The complete starting cash picture.
Estimated remaining funds due at closing
$138,820No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,391.09
Your down payment$130,391.09
Closing costs + prepaids$8,429.22
Total buyer cash needed$138,820.32
Remaining funds due$138,820.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,839.00
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)$225.50
Prepaid interest, first (27 days)$139.72
Fees + prepaids$8,429.22
Your down payment is the seller’s equity. You take over the $53,509 balance, so the rest of the $183,900 price is paid at closing. A second mortgage can cover part of it. $138,820.32 is due at closing. Uses and sources reconcile at $192,329.22 each. Not a Closing Disclosure.