Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$112,778Cash toward the purchase price.
Closing costs + prepaids$8,134Not just lender fees.
Before credits & paid funds$120,912The complete starting cash picture.
Estimated remaining funds due at closing
$120,912No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,778.25
Your down payment$112,778.25
Closing costs + prepaids$8,134.22
Total buyer cash needed$120,912.47
Remaining funds due$120,912.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,499.00
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)$382.25
Prepaid interest, first (5 days)$27.97
Fees + prepaids$8,134.22
Your down payment is the seller’s equity. You take over the $37,122 balance, so the rest of the $149,900 price is paid at closing. A second mortgage can cover part of it. $120,912.47 is due at closing. Uses and sources reconcile at $158,034.22 each. Not a Closing Disclosure.