Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$124,850Cash toward the purchase price.
Closing costs + prepaids$9,473Not just lender fees.
Before credits & paid funds$134,322The complete starting cash picture.
Estimated remaining funds due at closing
$134,322No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,849.64
Your down payment$124,849.64
Closing costs + prepaids$9,472.78
Total buyer cash needed$134,322.42
Remaining funds due$134,322.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,550.00
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)$310.00
Prepaid interest, first (29 days)$387.78
Fees + prepaids$9,472.78
Your down payment is the seller’s equity. You take over the $130,150 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $134,322.42 is due at closing. Uses and sources reconcile at $264,472.78 each. Not a Closing Disclosure.