Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$127,953Cash toward the purchase price.
Closing costs + prepaids$8,206Not just lender fees.
Before credits & paid funds$136,159The complete starting cash picture.
Estimated remaining funds due at closing
$136,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,952.75
Your down payment$127,952.75
Closing costs + prepaids$8,206.46
Total buyer cash needed$136,159.21
Remaining funds due$136,159.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,399.00
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)$524.50
Prepaid interest, first (26 days)$57.96
Fees + prepaids$8,206.46
Your down payment is the seller’s equity. You take over the $11,947 balance, so the rest of the $139,900 price is paid at closing. A second mortgage can cover part of it. $136,159.21 is due at closing. Uses and sources reconcile at $148,106.46 each. Not a Closing Disclosure.