Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$124,727Cash toward the purchase price.
Closing costs + prepaids$9,211Not just lender fees.
Before credits & paid funds$133,938The complete starting cash picture.
Estimated remaining funds due at closing
$133,938No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,727.44
Your down payment$124,727.44
Closing costs + prepaids$9,210.70
Total buyer cash needed$133,938.15
Remaining funds due$133,938.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,554.00
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)$339.25
Initial HOA (3 months)$990.00
Prepaid interest, first (24 days)$102.45
Fees + prepaids$9,210.70
Your down payment is the seller’s equity. You take over the $30,673 balance, so the rest of the $155,400 price is paid at closing. A second mortgage can cover part of it. $133,938.15 is due at closing. Uses and sources reconcile at $164,610.70 each. Not a Closing Disclosure.