Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$125,218Cash toward the purchase price.
Closing costs + prepaids$8,399Not just lender fees.
Before credits & paid funds$133,617The complete starting cash picture.
Estimated remaining funds due at closing
$133,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,217.54
Your down payment$125,217.54
Closing costs + prepaids$8,399.19
Total buyer cash needed$133,616.73
Remaining funds due$133,616.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,850.00
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)$222.00
Prepaid interest, first (17 days)$102.19
Fees + prepaids$8,399.19
Your down payment is the seller’s equity. You take over the $59,782 balance, so the rest of the $185,000 price is paid at closing. A second mortgage can cover part of it. $133,616.73 is due at closing. Uses and sources reconcile at $193,399.19 each. Not a Closing Disclosure.