Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$114,844Cash toward the purchase price.
Closing costs + prepaids$9,277Not just lender fees.
Before credits & paid funds$124,121The complete starting cash picture.
Estimated remaining funds due at closing
$124,121No 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$9,277.09
Total buyer cash needed$124,120.69
Remaining funds due$124,120.69
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)$344.75
Prepaid interest, first (20 days)$257.44
Fees + prepaids$9,277.09
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. $124,120.69 is due at closing. Uses and sources reconcile at $254,267.09 each. Not a Closing Disclosure.