Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$120,991Cash toward the purchase price.
Closing costs + prepaids$8,060Not just lender fees.
Before credits & paid funds$129,051The complete starting cash picture.
Estimated remaining funds due at closing
$129,051No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,990.59
Your down payment$120,990.59
Closing costs + prepaids$8,060.41
Total buyer cash needed$129,051.00
Remaining funds due$129,051.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,499.00
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)$267.00
Prepaid interest, first (28 days)$69.41
Fees + prepaids$8,060.41
Your down payment is the seller’s equity. You take over the $28,909 balance, so the rest of the $149,900 price is paid at closing. A second mortgage can cover part of it. $129,051.00 is due at closing. Uses and sources reconcile at $157,960.41 each. Not a Closing Disclosure.