Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$119,570Cash toward the purchase price.
Closing costs + prepaids$8,655Not just lender fees.
Before credits & paid funds$128,225The complete starting cash picture.
Estimated remaining funds due at closing
$128,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,569.82
Your down payment$119,569.82
Closing costs + prepaids$8,655.47
Total buyer cash needed$128,225.29
Remaining funds due$128,225.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,799.00
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)$364.00
Prepaid interest, first (31 days)$267.47
Fees + prepaids$8,655.47
Your down payment is the seller’s equity. You take over the $60,330 balance, so the rest of the $179,900 price is paid at closing. A second mortgage can cover part of it. $128,225.29 is due at closing. Uses and sources reconcile at $188,555.47 each. Not a Closing Disclosure.