Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$127,968Cash toward the purchase price.
Closing costs + prepaids$9,012Not just lender fees.
Before credits & paid funds$136,979The complete starting cash picture.
Estimated remaining funds due at closing
$136,979No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,967.61
Your down payment$127,967.61
Closing costs + prepaids$9,011.86
Total buyer cash needed$136,979.46
Remaining funds due$136,979.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,320.00
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)$290.00
Prepaid interest, first (17 days)$176.86
Fees + prepaids$9,011.86
Your down payment is the seller’s equity. You take over the $104,032 balance, so the rest of the $232,000 price is paid at closing. A second mortgage can cover part of it. $136,979.46 is due at closing. Uses and sources reconcile at $241,011.86 each. Not a Closing Disclosure.