Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$114,844Cash toward the purchase price.
Closing costs + prepaids$9,085Not just lender fees.
Before credits & paid funds$123,928The complete starting cash picture.
Estimated remaining funds due at closing
$123,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,843.60
Your down payment$114,843.60
Closing costs + prepaids$9,084.75
Total buyer cash needed$123,928.35
Remaining funds due$123,928.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,449.90
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)$294.00
Prepaid interest, first (9 days)$115.85
Fees + prepaids$9,084.75
Your down payment is the seller’s equity. You take over the $130,146 balance, so the rest of the $244,990 price is paid at closing. A second mortgage can cover part of it. $123,928.35 is due at closing. Uses and sources reconcile at $254,074.75 each. Not a Closing Disclosure.