Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$111,775Cash toward the purchase price.
Closing costs + prepaids$8,827Not just lender fees.
Before credits & paid funds$120,602The complete starting cash picture.
Estimated remaining funds due at closing
$120,602No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,775.11
Your down payment$111,775.11
Closing costs + prepaids$8,826.51
Total buyer cash needed$120,601.62
Remaining funds due$120,601.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,299.00
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)$162.50
Initial HOA (3 months)$1,089.00
Prepaid interest, first (16 days)$51.01
Fees + prepaids$8,826.51
Your down payment is the seller’s equity. You take over the $18,125 balance, so the rest of the $129,900 price is paid at closing. A second mortgage can cover part of it. $120,601.62 is due at closing. Uses and sources reconcile at $138,726.51 each. Not a Closing Disclosure.