Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$129,287Cash toward the purchase price.
Closing costs + prepaids$8,581Not just lender fees.
Before credits & paid funds$137,868The complete starting cash picture.
Estimated remaining funds due at closing
$137,868No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,287.13
Your down payment$129,287.13
Closing costs + prepaids$8,581.17
Total buyer cash needed$137,868.30
Remaining funds due$137,868.30
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 (2 days)$19.92
Fees + prepaids$8,581.17
Your down payment is the seller’s equity. You take over the $90,213 balance, so the rest of the $219,500 price is paid at closing. A second mortgage can cover part of it. $137,868.30 is due at closing. Uses and sources reconcile at $228,081.17 each. Not a Closing Disclosure.