Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$87,711Cash toward the purchase price.
Closing costs + prepaids$7,638Not just lender fees.
Before credits & paid funds$95,349The complete starting cash picture.
Estimated remaining funds due at closing
$95,349No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,711.07
Your down payment$87,711.07
Closing costs + prepaids$7,638.08
Total buyer cash needed$95,349.15
Remaining funds due$95,349.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,200.00
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)$97.00
Prepaid interest, first (27 days)$116.08
Fees + prepaids$7,638.08
Your down payment is the seller’s equity. You take over the $32,289 balance, so the rest of the $120,000 price is paid at closing. A second mortgage can cover part of it. $95,349.15 is due at closing. Uses and sources reconcile at $127,638.08 each. Not a Closing Disclosure.