Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$137,250Cash toward the purchase price.
Closing costs + prepaids$10,056Not just lender fees.
Before credits & paid funds$147,306The complete starting cash picture.
Estimated remaining funds due at closing
$147,306No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,249.51
Your down payment$137,249.51
Closing costs + prepaids$10,056.49
Total buyer cash needed$147,306.00
Remaining funds due$147,306.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,649.99
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)$318.00
Initial HOA (3 months)$720.00
Prepaid interest, first (10 days)$143.50
Fees + prepaids$10,056.49
Your down payment is the seller’s equity. You take over the $127,749 balance, so the rest of the $264,999 price is paid at closing. A second mortgage can cover part of it. $147,306.00 is due at closing. Uses and sources reconcile at $275,055.49 each. Not a Closing Disclosure.