Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$114,541Cash toward the purchase price.
Closing costs + prepaids$9,033Not just lender fees.
Before credits & paid funds$123,574The complete starting cash picture.
Estimated remaining funds due at closing
$123,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,541.27
Your down payment$114,541.27
Closing costs + prepaids$9,032.55
Total buyer cash needed$123,573.82
Remaining funds due$123,573.82
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 (1 days)$12.90
Fees + prepaids$9,032.55
Your down payment is the seller’s equity. You take over the $130,449 balance, so the rest of the $244,990 price is paid at closing. A second mortgage can cover part of it. $123,573.82 is due at closing. Uses and sources reconcile at $254,022.55 each. Not a Closing Disclosure.