Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$122,334Cash toward the purchase price.
Closing costs + prepaids$9,218Not just lender fees.
Before credits & paid funds$131,552The complete starting cash picture.
Estimated remaining funds due at closing
$131,552No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,333.96
Your down payment$122,333.96
Closing costs + prepaids$9,218.16
Total buyer cash needed$131,552.13
Remaining funds due$131,552.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,290.00
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)$401.75
Prepaid interest, first (27 days)$301.41
Fees + prepaids$9,218.16
Your down payment is the seller’s equity. You take over the $106,666 balance, so the rest of the $229,000 price is paid at closing. A second mortgage can cover part of it. $131,552.13 is due at closing. Uses and sources reconcile at $238,218.16 each. Not a Closing Disclosure.