Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$8,274Cash toward the purchase price.
Closing costs + prepaids$7,683Not just lender fees.
Before credits & paid funds$15,957The complete starting cash picture.
Estimated remaining funds due at closing
$15,957No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,274.31
Your down payment$8,274.31
Closing costs + prepaids$7,683.14
Total buyer cash needed$15,957.45
Remaining funds due$15,957.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,299.00
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)$118.75
Prepaid interest, first (2 days)$40.39
Fees + prepaids$7,683.14
Your down payment is the seller’s equity. You take over the $121,626 balance, so the rest of the $129,900 price is paid at closing. A second mortgage can cover part of it. $15,957.45 is due at closing. Uses and sources reconcile at $137,583.14 each. Not a Closing Disclosure.