Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$85,322Cash toward the purchase price.
Closing costs + prepaids$8,185Not just lender fees.
Before credits & paid funds$93,507The complete starting cash picture.
Estimated remaining funds due at closing
$93,507No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,322.40
Your down payment$85,322.40
Closing costs + prepaids$8,184.99
Total buyer cash needed$93,507.40
Remaining funds due$93,507.40
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)$327.50
Initial HOA (3 months)$177.51
Prepaid interest, first (31 days)$155.98
Fees + prepaids$8,184.99
Your down payment is the seller’s equity. You take over the $44,578 balance, so the rest of the $129,900 price is paid at closing. A second mortgage can cover part of it. $93,507.40 is due at closing. Uses and sources reconcile at $138,084.99 each. Not a Closing Disclosure.