Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$130,629Cash toward the purchase price.
Closing costs + prepaids$9,307Not just lender fees.
Before credits & paid funds$139,936The complete starting cash picture.
Estimated remaining funds due at closing
$139,936No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,629.35
Your down payment$130,629.35
Closing costs + prepaids$9,306.51
Total buyer cash needed$139,935.86
Remaining funds due$139,935.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,590.00
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)$323.75
Prepaid interest, first (15 days)$167.76
Fees + prepaids$9,306.51
Your down payment is the seller’s equity. You take over the $128,371 balance, so the rest of the $259,000 price is paid at closing. A second mortgage can cover part of it. $139,935.86 is due at closing. Uses and sources reconcile at $268,306.51 each. Not a Closing Disclosure.