Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$123,845Cash toward the purchase price.
Closing costs + prepaids$9,377Not just lender fees.
Before credits & paid funds$133,221The complete starting cash picture.
Estimated remaining funds due at closing
$133,221No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,844.91
Your down payment$123,844.91
Closing costs + prepaids$9,376.52
Total buyer cash needed$133,221.43
Remaining funds due$133,221.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,150.00
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)$777.00
Prepaid interest, first (31 days)$224.52
Fees + prepaids$9,376.52
Your down payment is the seller’s equity. You take over the $91,155 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $133,221.43 is due at closing. Uses and sources reconcile at $224,376.52 each. Not a Closing Disclosure.