Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$129,291Cash toward the purchase price.
Closing costs + prepaids$8,229Not just lender fees.
Before credits & paid funds$137,520The complete starting cash picture.
Estimated remaining funds due at closing
$137,520No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,290.82
Your down payment$129,290.82
Closing costs + prepaids$8,229.14
Total buyer cash needed$137,519.96
Remaining funds due$137,519.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,830.00
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)$163.75
Prepaid interest, first (2 days)$10.39
Fees + prepaids$8,229.14
Your down payment is the seller’s equity. You take over the $53,709 balance, so the rest of the $183,000 price is paid at closing. A second mortgage can cover part of it. $137,519.96 is due at closing. Uses and sources reconcile at $191,229.14 each. Not a Closing Disclosure.