Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$118,081Cash toward the purchase price.
Closing costs + prepaids$10,132Not just lender fees.
Before credits & paid funds$128,213The complete starting cash picture.
Estimated remaining funds due at closing
$128,213No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,080.72
Your down payment$118,080.72
Closing costs + prepaids$10,132.42
Total buyer cash needed$128,213.14
Remaining funds due$128,213.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,549.99
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)$201.25
Initial HOA (3 months)$747.00
Prepaid interest, first (27 days)$409.18
Fees + prepaids$10,132.42
Your down payment is the seller’s equity. You take over the $136,918 balance, so the rest of the $254,999 price is paid at closing. A second mortgage can cover part of it. $128,213.14 is due at closing. Uses and sources reconcile at $265,131.42 each. Not a Closing Disclosure.