Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$112,044Cash toward the purchase price.
Closing costs + prepaids$9,969Not just lender fees.
Before credits & paid funds$122,013The complete starting cash picture.
Estimated remaining funds due at closing
$122,013No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,043.63
Your down payment$112,043.63
Closing costs + prepaids$9,969.07
Total buyer cash needed$122,012.70
Remaining funds due$122,012.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,640.00
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)$316.75
Initial HOA (3 months)$672.00
Prepaid interest, first (10 days)$115.32
Fees + prepaids$9,969.07
Your down payment is the seller’s equity. You take over the $151,956 balance, so the rest of the $264,000 price is paid at closing. A second mortgage can cover part of it. $122,012.70 is due at closing. Uses and sources reconcile at $273,969.07 each. Not a Closing Disclosure.