Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$128,614Cash toward the purchase price.
Closing costs + prepaids$8,929Not just lender fees.
Before credits & paid funds$137,543The complete starting cash picture.
Estimated remaining funds due at closing
$137,543No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,614.01
Your down payment$128,614.01
Closing costs + prepaids$8,928.76
Total buyer cash needed$137,542.76
Remaining funds due$137,542.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,260.00
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)$167.50
Prepaid interest, first (31 days)$276.26
Fees + prepaids$8,928.76
Your down payment is the seller’s equity. You take over the $97,386 balance, so the rest of the $226,000 price is paid at closing. A second mortgage can cover part of it. $137,542.76 is due at closing. Uses and sources reconcile at $234,928.76 each. Not a Closing Disclosure.