Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$114,580Cash toward the purchase price.
Closing costs + prepaids$7,466Not just lender fees.
Before credits & paid funds$122,046The complete starting cash picture.
Estimated remaining funds due at closing
$122,046No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,579.84
Your down payment$114,579.84
Closing costs + prepaids$7,466.35
Total buyer cash needed$122,046.19
Remaining funds due$122,046.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,190.00
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)$26.50
Prepaid interest, first (30 days)$24.85
Fees + prepaids$7,466.35
Your down payment is the seller’s equity. You take over the $4,420 balance, so the rest of the $119,000 price is paid at closing. A second mortgage can cover part of it. $122,046.19 is due at closing. Uses and sources reconcile at $126,466.35 each. Not a Closing Disclosure.