Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$113,850Cash toward the purchase price.
Closing costs + prepaids$10,042Not just lender fees.
Before credits & paid funds$123,892The complete starting cash picture.
Estimated remaining funds due at closing
$123,892No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,850.04
Your down payment$113,850.04
Closing costs + prepaids$10,042.16
Total buyer cash needed$123,892.20
Remaining funds due$123,892.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,620.00
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)$314.50
Initial HOA (3 months)$741.00
Prepaid interest, first (10 days)$141.66
Fees + prepaids$10,042.16
Your down payment is the seller’s equity. You take over the $148,150 balance, so the rest of the $262,000 price is paid at closing. A second mortgage can cover part of it. $123,892.20 is due at closing. Uses and sources reconcile at $272,042.16 each. Not a Closing Disclosure.