Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$119,556Cash toward the purchase price.
Closing costs + prepaids$9,160Not just lender fees.
Before credits & paid funds$128,716The complete starting cash picture.
Estimated remaining funds due at closing
$128,716No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,555.81
Your down payment$119,555.81
Closing costs + prepaids$9,160.40
Total buyer cash needed$128,716.20
Remaining funds due$128,716.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,199.00
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)$494.25
Prepaid interest, first (24 days)$242.15
Fees + prepaids$9,160.40
Your down payment is the seller’s equity. You take over the $100,344 balance, so the rest of the $219,900 price is paid at closing. A second mortgage can cover part of it. $128,716.20 is due at closing. Uses and sources reconcile at $229,060.40 each. Not a Closing Disclosure.