Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$120,991Cash toward the purchase price.
Closing costs + prepaids$7,954Not just lender fees.
Before credits & paid funds$128,944The complete starting cash picture.
Estimated remaining funds due at closing
$128,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,990.59
Your down payment$120,990.59
Closing costs + prepaids$7,953.64
Total buyer cash needed$128,944.23
Remaining funds due$128,944.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,499.00
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)$187.50
Prepaid interest, first (17 days)$42.14
Fees + prepaids$7,953.64
Your down payment is the seller’s equity. You take over the $28,909 balance, so the rest of the $149,900 price is paid at closing. A second mortgage can cover part of it. $128,944.23 is due at closing. Uses and sources reconcile at $157,853.64 each. Not a Closing Disclosure.