Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$128,080Cash toward the purchase price.
Closing costs + prepaids$9,162Not just lender fees.
Before credits & paid funds$137,242The complete starting cash picture.
Estimated remaining funds due at closing
$137,242No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,080.48
Your down payment$128,080.48
Closing costs + prepaids$9,161.63
Total buyer cash needed$137,242.11
Remaining funds due$137,242.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,440.00
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)$305.00
Prepaid interest, first (14 days)$191.63
Fees + prepaids$9,161.63
Your down payment is the seller’s equity. You take over the $115,920 balance, so the rest of the $244,000 price is paid at closing. A second mortgage can cover part of it. $137,242.11 is due at closing. Uses and sources reconcile at $253,161.63 each. Not a Closing Disclosure.