Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$125,182Cash toward the purchase price.
Closing costs + prepaids$9,071Not just lender fees.
Before credits & paid funds$134,253The complete starting cash picture.
Estimated remaining funds due at closing
$134,253No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,182.03
Your down payment$125,182.03
Closing costs + prepaids$9,070.60
Total buyer cash needed$134,252.63
Remaining funds due$134,252.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,590.00
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)$190.75
Initial HOA (3 months)$1,032.00
Prepaid interest, first (6 days)$32.85
Fees + prepaids$9,070.60
Your down payment is the seller’s equity. You take over the $33,818 balance, so the rest of the $159,000 price is paid at closing. A second mortgage can cover part of it. $134,252.63 is due at closing. Uses and sources reconcile at $168,070.60 each. Not a Closing Disclosure.