Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$120,129Cash toward the purchase price.
Closing costs + prepaids$10,414Not just lender fees.
Before credits & paid funds$130,543The complete starting cash picture.
Estimated remaining funds due at closing
$130,543No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,129.31
Your down payment$120,129.31
Closing costs + prepaids$10,413.88
Total buyer cash needed$130,543.19
Remaining funds due$130,543.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,890.00
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)$914.50
Prepaid interest, first (31 days)$384.38
Fees + prepaids$10,413.88
Your down payment is the seller’s equity. You take over the $168,871 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $130,543.19 is due at closing. Uses and sources reconcile at $299,413.88 each. Not a Closing Disclosure.