Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$129,509Cash toward the purchase price.
Closing costs + prepaids$8,869Not just lender fees.
Before credits & paid funds$138,378The complete starting cash picture.
Estimated remaining funds due at closing
$138,378No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,508.75
Your down payment$129,508.75
Closing costs + prepaids$8,869.27
Total buyer cash needed$138,378.01
Remaining funds due$138,378.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,195.00
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)$141.25
Prepaid interest, first (31 days)$308.02
Fees + prepaids$8,869.27
Your down payment is the seller’s equity. You take over the $89,991 balance, so the rest of the $219,500 price is paid at closing. A second mortgage can cover part of it. $138,378.01 is due at closing. Uses and sources reconcile at $228,369.27 each. Not a Closing Disclosure.