Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$121,508Cash toward the purchase price.
Closing costs + prepaids$9,017Not just lender fees.
Before credits & paid funds$130,524The complete starting cash picture.
Estimated remaining funds due at closing
$130,524No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,507.68
Your down payment$121,507.68
Closing costs + prepaids$9,016.53
Total buyer cash needed$130,524.22
Remaining funds due$130,524.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$348.50
Prepaid interest, first (23 days)$193.03
Fees + prepaids$9,016.53
Your down payment is the seller’s equity. You take over the $103,492 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $130,524.22 is due at closing. Uses and sources reconcile at $234,016.53 each. Not a Closing Disclosure.