Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$133,614Cash toward the purchase price.
Closing costs + prepaids$8,426Not just lender fees.
Before credits & paid funds$142,040The complete starting cash picture.
Estimated remaining funds due at closing
$142,040No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,614.18
Your down payment$133,614.18
Closing costs + prepaids$8,425.94
Total buyer cash needed$142,040.12
Remaining funds due$142,040.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,790.00
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)$279.50
Prepaid interest, first (31 days)$131.44
Fees + prepaids$8,425.94
Your down payment is the seller’s equity. You take over the $45,386 balance, so the rest of the $179,000 price is paid at closing. A second mortgage can cover part of it. $142,040.12 is due at closing. Uses and sources reconcile at $187,425.94 each. Not a Closing Disclosure.