Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$117,358Cash toward the purchase price.
Closing costs + prepaids$8,431Not just lender fees.
Before credits & paid funds$125,789The complete starting cash picture.
Estimated remaining funds due at closing
$125,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,358.10
Your down payment$117,358.10
Closing costs + prepaids$8,430.68
Total buyer cash needed$125,788.78
Remaining funds due$125,788.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,799.00
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)$114.00
Prepaid interest, first (29 days)$292.68
Fees + prepaids$8,430.68
Your down payment is the seller’s equity. You take over the $62,542 balance, so the rest of the $179,900 price is paid at closing. A second mortgage can cover part of it. $125,788.78 is due at closing. Uses and sources reconcile at $188,330.68 each. Not a Closing Disclosure.