Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$117,121Cash toward the purchase price.
Closing costs + prepaids$9,869Not just lender fees.
Before credits & paid funds$126,990The complete starting cash picture.
Estimated remaining funds due at closing
$126,990No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,120.95
Your down payment$117,120.95
Closing costs + prepaids$9,868.81
Total buyer cash needed$126,989.75
Remaining funds due$126,989.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.90
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)$424.50
Prepaid interest, first (24 days)$319.41
Fees + prepaids$9,868.81
Your down payment is the seller’s equity. You take over the $172,869 balance, so the rest of the $289,990 price is paid at closing. A second mortgage can cover part of it. $126,989.75 is due at closing. Uses and sources reconcile at $299,858.81 each. Not a Closing Disclosure.