Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$114,580Cash toward the purchase price.
Closing costs + prepaids$7,566Not just lender fees.
Before credits & paid funds$122,146The complete starting cash picture.
Estimated remaining funds due at closing
$122,146No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,579.84
Your down payment$114,579.84
Closing costs + prepaids$7,566.03
Total buyer cash needed$122,145.88
Remaining funds due$122,145.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,190.00
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)$142.75
Prepaid interest, first (10 days)$8.28
Fees + prepaids$7,566.03
Your down payment is the seller’s equity. You take over the $4,420 balance, so the rest of the $119,000 price is paid at closing. A second mortgage can cover part of it. $122,145.88 is due at closing. Uses and sources reconcile at $126,566.03 each. Not a Closing Disclosure.