Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$129,089Cash toward the purchase price.
Closing costs + prepaids$9,466Not just lender fees.
Before credits & paid funds$138,556The complete starting cash picture.
Estimated remaining funds due at closing
$138,556No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,089.46
Your down payment$129,089.46
Closing costs + prepaids$9,466.50
Total buyer cash needed$138,555.96
Remaining funds due$138,555.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
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)$723.50
Prepaid interest, first (2 days)$19.00
Fees + prepaids$9,466.50
Your down payment is the seller’s equity. You take over the $120,811 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $138,555.96 is due at closing. Uses and sources reconcile at $259,366.50 each. Not a Closing Disclosure.