Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$123,653Cash toward the purchase price.
Closing costs + prepaids$7,967Not just lender fees.
Before credits & paid funds$131,620The complete starting cash picture.
Estimated remaining funds due at closing
$131,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,652.76
Your down payment$123,652.76
Closing costs + prepaids$7,966.80
Total buyer cash needed$131,619.55
Remaining funds due$131,619.55
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)$407.25
Prepaid interest, first (31 days)$35.55
Fees + prepaids$7,966.80
Your down payment is the seller’s equity. You take over the $6,247 balance, so the rest of the $129,900 price is paid at closing. A second mortgage can cover part of it. $131,619.55 is due at closing. Uses and sources reconcile at $137,866.80 each. Not a Closing Disclosure.