Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$125,532Cash toward the purchase price.
Closing costs + prepaids$8,327Not just lender fees.
Before credits & paid funds$133,860The complete starting cash picture.
Estimated remaining funds due at closing
$133,860No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,532.21
Your down payment$125,532.21
Closing costs + prepaids$8,327.33
Total buyer cash needed$133,859.54
Remaining funds due$133,859.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,749.99
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)$199.75
Prepaid interest, first (27 days)$152.59
Fees + prepaids$8,327.33
Your down payment is the seller’s equity. You take over the $49,467 balance, so the rest of the $174,999 price is paid at closing. A second mortgage can cover part of it. $133,859.54 is due at closing. Uses and sources reconcile at $183,326.33 each. Not a Closing Disclosure.