Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$127,968Cash toward the purchase price.
Closing costs + prepaids$9,071Not just lender fees.
Before credits & paid funds$137,038The complete starting cash picture.
Estimated remaining funds due at closing
$137,038No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,967.61
Your down payment$127,967.61
Closing costs + prepaids$9,070.64
Total buyer cash needed$137,038.24
Remaining funds due$137,038.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,320.00
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)$244.75
Prepaid interest, first (27 days)$280.89
Fees + prepaids$9,070.64
Your down payment is the seller’s equity. You take over the $104,032 balance, so the rest of the $232,000 price is paid at closing. A second mortgage can cover part of it. $137,038.24 is due at closing. Uses and sources reconcile at $241,070.64 each. Not a Closing Disclosure.