Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$115,043Cash toward the purchase price.
Closing costs + prepaids$10,010Not just lender fees.
Before credits & paid funds$125,054The complete starting cash picture.
Estimated remaining funds due at closing
$125,054No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,043.45
Your down payment$115,043.45
Closing costs + prepaids$10,010.10
Total buyer cash needed$125,053.55
Remaining funds due$125,053.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.00
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)$330.00
Initial HOA (3 months)$555.00
Prepaid interest, first (10 days)$151.10
Fees + prepaids$10,010.10
Your down payment is the seller’s equity. You take over the $159,857 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $125,053.55 is due at closing. Uses and sources reconcile at $284,910.10 each. Not a Closing Disclosure.