Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$114,844Cash toward the purchase price.
Closing costs + prepaids$9,098Not just lender fees.
Before credits & paid funds$123,941The complete starting cash picture.
Estimated remaining funds due at closing
$123,941No 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$9,097.62
Total buyer cash needed$123,941.22
Remaining funds due$123,941.22
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 (10 days)$128.72
Fees + prepaids$9,097.62
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. $123,941.22 is due at closing. Uses and sources reconcile at $254,087.62 each. Not a Closing Disclosure.