Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$112,044Cash toward the purchase price.
Closing costs + prepaids$9,932Not just lender fees.
Before credits & paid funds$121,976The complete starting cash picture.
Estimated remaining funds due at closing
$121,976No 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$9,932.33
Total buyer cash needed$121,975.96
Remaining funds due$121,975.96
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)$95.50
Initial HOA (3 months)$672.00
Prepaid interest, first (26 days)$299.83
Fees + prepaids$9,932.33
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. $121,975.96 is due at closing. Uses and sources reconcile at $273,932.33 each. Not a Closing Disclosure.